> feels like it was designed to protect families
That's because it is designed to protect them. When a good enough team of lawyers can free you from consequences, it equates to being able to buy off justice.
When the majority of financial instrument controls are designed to limit the financial activity of the layman, who does it benefit? Just yesterday I was fighting with my bank about how much I could spend on a single purchase. It was a startlingly low number. The amount I can actually withdraw from an ATM at any point in time is lower.
And what divides the classes most is the law. The law benefits those who can navigate it effectively. This boils down to people wealthy enough to buy, barrow, and steal professionals to navigate it for them. If the law were simple, everyone would benefit because everyone could navigate it easily.
All that to say, you aren't the only one.