Umbuso wemali unguhlelo lomnotho womphakathi wabantu oluhlela izimpilo zabantu ngokubaluleka kwemali kuqala. Kuyilolu hlelo esihlala kulona enkathini yethu. EsiNgisini kubizwa nge-"capitalism". Ababusa ngemali bahlosa ukukhiqiza inzuzo kakhulu kunoma yikuphi okunye. Leyo nzuzo bayithola ngokubenza abantu abasebenzi abamsebenzelayo abawenza iningi lomsebenzi osemqoka embonini yombusimali, kepha ombusimali yibona abagcina ingxenye enkulu yenzuzo, banika izinsalela zenzuzo kubona abasebenzi babo.