There are also those who make bad decisions and are lazy but have a lot of money and power regardless. Being lazy/making terrible decisions does not equal poor; same as being hard working/making good decisions.

The system at this stage is just geared towards making the poor poorer and the rich richer. E.g. making people pay lots of money to stay healthy rather than give people equal opportunity, making good education only accessible to the rich by making it prohibitively expensive, the wage divide between an employee and a CEO, family trusts and associated taxes etc.