"Yes, I think there are people who ascribe negative connotations to making use of financial systems. Where I've encountered them, for the most part, they tend to be less-wealthy folk looking for some external reason for their perceived lack of success. To be honest I don't really care what they think."
You literally said that if you think the financial system is unfair you're probably poor, and you don't care what they think.
The financial system is certainly unfair. Life is unfair, from the moment you are born to the moment you die. This has nothing to do with "fairness".
This has to do with personal financial management. There are rules to the game. Use them, don't use them, it's completely up to you.
If you want to change the rules to make them more fair, then by all means go for it. I'm not sure that any system you divide will ultimately be fair since it has to operate in an unfair world. The current system protects wealth at pretty much any scale. You are welcome to leave your wealth unprotected if you choose. That's your right.
Yep, as you alluded to, the rules of "the game" are not static. It's good to advocate for changing the rules to make them more fair, and it's bad to advocate for the unfair status quo (which is what you've been doing), or changing them to be even more unfair.
"Yes, I think there are people who ascribe negative connotations to making use of financial systems. Where I've encountered them, for the most part, they tend to be less-wealthy folk looking for some external reason for their perceived lack of success. To be honest I don't really care what they think."
You literally said that if you think the financial system is unfair you're probably poor, and you don't care what they think.