A lot of that extra money has been after the banks and Wall Street recovered the US economy. I bought my house for $172K in 1998. It peaked at $500K during the bubble and then crashed down to $200K when it burst. I'm back to $460K. Same story with my 401K. Helping support the banks with my taxpayer dollars is fine by me because it is benefitting me at the end of the day.
I've been working full time and paying into the "system" for about 40 years. At this stage of life I have no choice but to look at the bottom line and what is best for me and my wife.
You idealists? Give it all you got and my best wishes.