The only true way of making money is to buy or extract materials from a resource, add human value to convert those materials into something someone needs and wants. Everytime a purely financial transaction takes place it is simply an overhead cost or an inflationary element to the process. There is no added value. Buying and selling property is actually making money from an inflation in price from one point in time to another. Its does not make anyhting or add value.
It actually does but you are right when you consider purely the speculative side of certain parts of banks or other financial institutions. Your definition is also waay to narrow, any added value is business wether it be material, advice, knowledge,...
It doesn't add value, but helps in the optimal allocation of resources. Less money is given to businesses that produce inferior goods.
