If you think this current brand of capitalism requires plebs to have money, I'm not sure how you explain the fact that when taking inflation into account wages have been either stagnant or actually going down ever since the 70's / 80's, the amount of wealth owned by the same plebs compared to the "financial ruling class" (mainly executives and such, and especially the banking sector thanks to deregulation) has shrunk dramatically, and cost of living keeps getting higher, while at the same time the compensation for the "financial ruling class" has grown at a frankly exponential rate.

Sufficiently advanced AI will, if anything, make it even more likely that that "ruling class" will realize they don't need quite as many of us around because all we do us suck up their resources and complain how we haven't eaten anything but cup noodles in a week and our teeth hurt.