> Presumably that means there are some issues where an average citizen doesn't get a vote?
Look up Shura laws on how these things work. Topics are delegated to experts in their respective fields who have the obligation to act out of interest of the society, a form of "meritocracy" if you will. This doesn't mean that average citizens cannot be consulted.
> for example, a man being stripped of his possessions because his caste is not allowed to own property. Does that illustrate my point?
No it doesn't, because Islam does not prohibit non-Muslims from owning properties. You have not shown what issues you have with the Islamic system so far other than conjecture.
> the next verse says that certain taxes should only be leveled on non-Muslims
Because non-Muslims are not required to pay Zakat, Muslims are already "taxed".
I feel that the discussion went on a tangent. The fact of the matter is that it is perfectly not only possible to build a society without the dangerous practice of interest, but it is in the benefit of the entire society to do so (except a relative few who stand to benefit extremely from interest and other similar practices). We've known about it for a long time now.