Another book you might consider is Michael Hudson's Forgive Them Their Debts. Which basically makes the point that this has gone on since the dawn of civilization.

Here is an interview with him, on naked capitalism; https://www.nakedcapitalism.com/2019/04/the-delphic-oracle-was-their-davos-a-four-part-interview-with-michael-hudson-about-his-forthcoming-book-the-collapse-of-antiquity-part-1.html

My general understanding of the dynamic involved is that as linear, goal oriented creatures in a cyclical, circular, feedback generated reality, we view money as a commodity to save and store, while markets need it to circulate. Econ 101 describes money as both medium of exchange and store of value, yet a medium is dynamic, while a store is static. Blood is a medium, fat is a store.

Since money largely functions as a contract, with the asset backed by debt, storing it requires generating debt and that goes to the core of this problem. We like to think of money as property, but as a medium, we effectively own it like we own the section of road we are using, or the fluids passing through our bodies. Basically it is an elemental public utility. The social contract and accounting device that enables mass society to function, yet we treat it as a commodity to mine from society.

The result is a centripetal effect, as positive feedback draws the asset to the center, while negative feedback pushes the debt to the edges. Which really is the basis for the stratification of society, not just a tool of those at the top. It's like the heart telling the hands and feet they don't need so much blood and should work harder for what they do get.

Here is an essay I wrote, going into it further;

https://medium.com/discourse/the-worm-in-the-apple-of-modern-capitalism-a46081000d5a