You construct the same kind of false dichotomy that is so incredibly common among the but duh rich and duh poor blahblah do.

There are more categories than the ultra rich and the incredibly poor. Stop that.

A lot of people can save 10-20% in stocks (such as via index funds.) A lot of people would rather not do this and still complain and point sticks at "the rich."

What can you do?

"The reason is that being a shareholder only matters for those already making a ton."

Is simply wrong and nonsensical. I don't make a ton, I am not ultra rich, it matters a lot to me to be a shareholder. It matters because that way I get to make money when "they" do.