We have a central banking system. All banks are part of the Federal Reserve and all transactions pass through the Fed. The Fed is not part of the government and the government has no power to regulate the Fed. This is the way it has been since 1913 when the Fed was created.
With our now world economy, other countries also have central banks. All central banks, including the Fed are guided (to be kind) by the IMF and World Bank who in turn answers to the Bank for International Settlements.
The world central banking system controls and has all the money. If you follow the money from the time you are paid until you spend it you will find most of your money never leaves the bank, it just bounces from bank to bank. The only time it leaves the system is when you have cash in your pocket. But when you spend it, it winds up back in the bank. This is the way the system is designed.
Years ago most of the money was in the hands of people and business and that's where the power once was until everyone was convinced to use the banking system.