Please take this from a guy who is not in any way a finance/economy expert:

Why does the currency have anything to do with the wealth of the bankers.

Bitcoin is, as far as i know, a fiat currency too. The value depends on the believe (demand-supply) of the people. You accepting it as means of payment gives it value.

The reason bankers and others have yachts are interests, Investmens, tax avoidance schemes and so on. Nothing Bitcoin solves. The issue is a political one and how we do business and laws.