This term applies to virtually everyone, everywhere, with the exception of the most elite among us. Everyone else uses money in at least some small way, and the effect is suffering as a result of the corrupt monetary system, where the rich profit from the labour of the masses. The richest rich offer nothing but their wealth, from which they make more wealth. The poor are constantly loosing ground, paying interest while their money's value is eroded by manufactured inflation. The result, the elite rich skim a little from absolutely everyone who uses money, there is no escaping it.