There are actually two economies - one where everything is an investment to be sweated for returns, and one where everything is priced according to real world utility.

In a financialised system everything is priced according to the values of the first economy, which are completely divorced from conventional economic utility.

This makes everything unaffordable to those who don't have access to that economy. It also lowers the quality of goods and services within the second economy, because providing quality and value conflicts with fast high returns.