Not really the best metaphor, as in Monopoly you actually start with money. A better analogy would probably be something like: Imagine you’re playing Monopoly, but you don’t have any starting money and all the properties are already bought up. Every time you pass go and collect $200, $180 of it immediately goes to the rich. That is how most people live their lives.
If anything it’s pretty telling that the game only works if you can play like a rich person: start off with a bunch of money you didn’t earn and the bank is always nice to you.
If the bank treats you like a poor person you just lose.
Didn’t the woman who came up with monopoly create it to teach the flaws of capitalist thinking? Then some guy stole it from her and capitalized. Classic.
The game was called The Landlord’s Game patented by Elizabeth Magie. Further information on the relationship between it and monopoly has its own Wikipedia page here: History of Monopoly