You falsely believe that only bankers are speculating with money. Money is just a condition, it's a open source condition for speculation for everyone on this planet. Money have no real value, we don't eat them, we don't wear them, we don't fuel our cars with money. It's a condition for exchange. If you accept the rules of exchange proposed to you by someone then you're playing his game, if you're proposing your own rules - then you're playing your game with your customers.
Simple example: Farmer has apple tree, apples grow once or twice a year. Tree is giving 100kilograms of apples per year, Farmer sells them for $100. Farmer has $100 bill in his wallet. The Buyer has 100kilograms of apples... 3 months later The Buyer will eat all apples and will have 0 kilograms of apples, while Farmer will have $100 bill in his pocket. Is there any difference in this speculation compared to Bankers speculations? Nope, no difference. The Buyer agreed to play Farmers game instead of planting his own apple tree.
Added value for the service or product isn't actually a problem of a snowball rolling from the top of the mountain if you're standing on top of the mountain. It might be a problem for those who stand below, in the valley under the mountain. It's some sort of artificial selection. Since you've been born you always have a choice. You can either spend your days like a squirrel in a
the spinning wheel = going to your job, and sitting in front of your screen watching funny videos or some kardashians or superheroes or whatever you're wasting your time for... or you can study all available options, learn something new and move your life to a different level again and again, climbing on top of the mountain. Some people are unhappy with choices they've made in the past, because these choices haven't fulfilled their expectations... do they really need to blame banker/god/president in their own mistakes? If you don't know the rules then i think it's good to learn the rules better before starting the game.:flute: