You imply that the only real production is physical -- food. clothing & shelter, as you put it.
I would suggest that the 80% of our population who produce intangible services are (at least most of the time) doing something useful and valuable for their fellows.
When your grandchild is deathly ill, a good pediatric surgeon may be just about the most valuable person on the planet to you -- far more so than that Detroit worker who upgraded your sports car.
Our energy boom is coming in large part from educated petroleum & mining geology engineers: Who do you suppose taught them what they know?
And unless you're keeping your money buried in the backyard, you're using banking services that you seemingly disdain. Why?