That skimming off the top is via ownership of shares. I wish we had a culture that rather than savings, we invested. If the masses did that there'd be much less cause to complain and more right for ordinary people to vote on company board members that promote better values.
I forget the exact numbers right now, but a depressingly large percentage of Americans today literally do not make enough money to be able to save anything. These are not problems that can be solved by market solutions. We cannot fix inequality that dwarfs that of the Gilded Age by encouraging people living paycheck to paycheck to buy stock so they can have the privilege of a single vote out of millions on whether Rich White Guy A or Rich White Guy B gets to be on the board.