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I don't like saying "the problem is capitalism" even though I think I often agree with what I assume people mean when they say this.

Capitalism is this huge concept and to some people it means shopping and lemonade stands, to others it means human slavery and the indentured servitude of debt.

The problem is the imbalance of power, monopolies of control and the systems that enable control. Extreme wealth and the recognition of the legitimacy of that wealth can function in this way.