If you believe the average american is losing out these days ( and this may be true ), blame the US governments of the last 30 years for enabling policies that are ultra pro-corporation and rich guys. Don't blame the stock market that merely reflects on the earning power of those entities.
Then what's your response?This might be a long response and I don't want to leave you hanging. I'll try to explain this in detail this evening. It's an extremely important concept to understand in economics so it deserves more then a one line response.