You are wrong. Capitalism is not money exchanging. Capitalism comes from capital. That is money being used in a way that does not return goods or services but more money that can then be used for further capital.
In the interest of further capital keeps the wealth has several class based effects. It is easier to gather more capital when workers are not aware of each other, do not know how much their labor is worth, and blame other workers or themselves for their position. The most important part of society to the capitalist is themselves. They do not see labor as important of necessary to the process or the laborer. The most ideal way to gather capital is slavery and every advance in technology and policy, from a capitalist, used to cut out more workers and bring more slavery.