[LekkoscPiwa]

And what about keeping rates at 0% for longest time allows people with access to cheap credit (i.e. bankers) to get uber wealthy while poor and middle class are left with the bill (inflation, paying taxes to the banks).

Inflation if measured as the US Government measured it last time during Reagan years is at 10% per annum in the US at the moment. And have been for a few years now. This is the reason for growing gap not the technology. Sound monetary policy - i.e. let banks go bankrupt - would make sure there are no excesses.