The proximate thing about the access to money is that it is most definitely a zero-sum game of specific winners and losers. That is to say, those that have the money and are not in debt, or those of which the ratio of their assets to their debts is exceedingly high, are in the catbird seat of true wealth, because what they so have, they actually own. On the other hand, governments that are heavily in debt, as well as people with no net assets, or of negative net worth, or of having a ratio of assets to their debts being quite unfavorable, are in a very poor position, because they are primarily debtors and not owners of true wealth.
The world is as rich as it has ever been, yet, the distribution of that wealth, is so skewed, that in aggregate, we see that there is only a special elite, that has the lion's share of that wealth, and thus are able to have the absolute best of the best of material life. For the superrich, life is so good, because never has there been so many wonderful tools, toys, activities, and pleasures that the superrich can avail themselves of. That said, it is true that there is also a sizeable class of those that also have decent wealth, a good life, and are able to take advantage of the accouterments that this world has on offer, to their advantage.
The seminal problem though of what this world represents in actuality, is that because wealth distribution is so extreme, and because governments, the world over, refuse to or are unable to successfully tax signficantly those parties that have the greatest amount of that wealth, or preclude them from obtaining even more and more wealth, is that life for those that are without, is not what it really should and ought to be. In other words, those that have everything, are to a very large extent, savers of the excess wealth that they have, as well as being passive investors of that wealth; whereas, those that are without, including often the governance of nations, are net debtors..
So then, the upshot is that there are millions upon millions of people, that have real desires that they would like to fulfill, which are often reasonable things to want, but have not the monetary means to obtain those material things, or have become excessively indebted in obtaining what they so need and desire, in which that indebtedness thus serves as a ball and chain around their leg, because it necessitates the payment of a seemingly never ending debt service to essentially those elites that have a glut of money, already.
Because then, that so few have so much, and so many have so little, the economies of nations, do not and will not grow at even close to what could be achieved, leaving the disenfranchised in a positon in which they can never achieve the escape velocity to have a decent life, and thus are left with the heavy burden of having a dissatisfactory life, when that need not be the case.