That's literally how it works...

You can vote for someone different, if you are unhappy with how the politicians in charge spend money.

You have no say whatsoever, in how billionaires and oligarchs choose to spend theirs.

Not sure how you could even come to any other conclusion?

Yes. Governments where the leaders are selected by voting are taking action via a democratic process.

?? Yes, in the US, for example, POTUS submits budget for Fed Gov executive branch, Congress approves. Congress generally has power of the purse.