Since the USA ended dollar convertibility to gold in 1971, the world's central banks and private banks had been creating money out of thin air by simply printing currencies or making electronic entries in their ledgers. Unfortunately, quadrillions of such created cash and bank deposits have not been and still are not proportionately allocated to the entire population but end up mainly among businesses owned or controlled by relatively few entrepreneurs. Together with key managers, said entrepreneurs use their borrowed money (from banks and other entities) to pay employees who thence create goods and render services which when sold lead to enormous profits. As corporate loans get paid, the company's assets, credit worthiness, and stock shares' values proportionately rise. Since very few entrepreneurs own stock shares, trillions of dollars in wealth largely created by masses of employees and managers become the properties of a relatively few capital controllers. In