You're not wrong - but when people say 'we vote with our money' ... it ends up being misleading, because of our instinct to think that individuals make those decisions collectively with their choices and will. Generally it's 'who has the power (and therefore the money)' will make those decisions.

It's a fine point, because some people believe that everything is controlled by a cabal of secret bankers and rich people and that's not true either.

'Nobody is charge' - that's also unsettling. But there are centres of great influence, many of which do not have our best interests at heart.