I understand your belief and concerns, and I do agree with your post in many ways. But I do have one question:

If this is what you believe, then do you believe it is also fair that one user becomes extremely wealthy at the expense of other users? Because this one user becoming wealthy is decreasing the chances and the money in circulation for all the other users. Meaning that the rich become richer and the poor stay poor.

It's the same as the real world, all the wealth goes to a few, while the others struggle below.