Is the United States a de facto plutocracy?

[HighStakesPro]

Plutocracy = rule by the rich. It doesn't appear to have any restrictions on exactly how the rich rule, just that the rulers are rich. We are not explicitly a plutocracy because we have elected officials and theoretically anyone can run for office. However the system is set up so that only rich people, or at least people who have connections with rich people, can have a legitimate chance to win a major house seat or any senate seat, nevermind president.