alright well these questions are very vague but ill keep it short.
1. simple answer wealth is produced. wealth can be many things but in short money is the abstraction of labor. all items or goods or services are produced, performed, or obtained via labor. the value is something is a combination of it's use-value determined by demand and also the cost of labor. labor used to produce a good is what imparts it's additional value, it's the basic commodity traded and that which is necessary for all others to be produced, and keeping a portion of that labor cost for yourself is profit. a system of power like our own over time will acculumate abstracted labor force in the form of monitary wealth. this is why technological innovations , measured in how many man-hours they could output, were the basis of the explosion of wealth in the last century and a half, allowing for more man-hours (or labor) to be abstracted from individual workers (who shifted the their labor onto manning machines, for longer periods of time and for even less pay).
2. your income should be earned. ideally, how much money you make is determined by how much work you do, plus additional value for societal needs which require special training like doctors or scientists. in reality, there's no such thing as the invisible hand, we should adjust our system so that working class and middle class americans have a larger share of the pie (because they already earn it, but others take it) and the recipients of wall street bailouts who give themselves billion dollar bonuses would get less. this wouldn't involve simply taking money away andd giving it to others, but creating a macroeconomic environment that benefits the bottom 80% more than currently and the top 5% less than currently. There is no such thing as a neutral economy, some mythical hands-off policy where the economy runs itself. No such thing. right now the policies actively benefit the super-wealthy, so instead of doing nothing and letting the current gravity keep sucking wealth upwards, we can change a few things to benefit working class people and give more of a competative edge to small businesses.