>Yes because it implies there is a conspiracy requiring God-like abilities to plan the long term outcomes of a multitude of decisions and actions many of which have conflicting goals.

Are you sure? You don't need a conspiracy theory. All you need is compound interest. Just think about it. An asset produces returns above what you spend on consumption. I.e. you are a net winner of the financial system. But milk, eggs, cars, houses have to be built by someone and you can clearly see poor people at the construction site of your house. You don't see rich millionaires build your house.

Meanwhile most people are paying into this system and they are net losers.