It's not conspiracy to say that the ultra-rich use and abuse their wealth to work to tilt the system further in their favor.

Many people make the mistake of thinking that "many people with a common characteristic working in ways that mutually benefit the whole group" is necessarily a conspiracy. Sometimes it is, sure, but very rarely. It's much, much more common for members of a group—like, say, the very wealthy—to individually recognize "hey, if I do X, it makes things better for me!"

That's what happens with massive wealth inequality.