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I would prefer if you used just "owners" or "owners of the majority of wealth". Owners of production just sounds like old-school socialism propaganda and doesn't really translate to the current world.
No, you just don't understand that "means of production" doesn't exclusively apply to industrial production, it talks about all capital, including financial. Lenin talks about this extensively as far back as the early 1900s, and it applies extremely well.
A society can't be run on smartphones, this was patently obvious during the COVID pandemic, when governments had to decide which were the "essential jobs" that society literally wouldn't keep running without. Were these the smartphone jobs? Or was it agriculture, education, transport of goods, supermarket cashiers, infrastructure, and trash collection among many others?
I'm fully aware that SOME people can get rich using a smartphone. Hell, I'm a lucky individual who had access to high level studies, and who fortunately enjoyed STEM, and my life is pretty dope, I consider myself very successful. I'm just not stupid enough to think that's a sustainable, or even desirable model of society, where SOME people can be "successful" (assuming that your metric of success is income) by moving around numbers in investment funds or programming databases so that banks can surveil us and squeeze a few dollars more out of our pockets.