To many people, the overall system feels to be designed as a whole to extract wealth from the masses and funnel it upwards towards those already capable of fund

To many people, the overall system feels to be designed as a whole to extract wealth from the masses and funnel it upwards towards those already capable of funding their continued existence. To those people, the idea that "obtaining the money you are owed from your job costs you a fee" is a gross abuse of the system. Penalizing poor people doesn't seem great.