Unpopular popular opinion: the money we use nowadays is made up of IOUs (I owe you). The money is created by central banks. Central banks don’t get money from anything; instead, they create money. The money then goes to investors, government and corporatios, and that’s why the rich become richer, and I, as a poor person, become poorer.
Most money is not really created by central banks. It’s created by private banks when they make loans. They literally add a number to their assets, and to the borrowers liabilities - and the borrower can now go spend that new money.
Central banks are supposed to try to regulate bank lending to try to stop the pyramid spiining out of control.
Governments also take out loans though (by selling bills, gilts, bonds) - so they are also involved in money creation process, that money typically goes to pay public services and public servants.
But the majority of money creation is typically private loans - and much of that goes ino property price bubbles , which does indeed benefit the rich.