You left out a key word:  "Croney" capitalism is at the root of the problem.  That isn't capitalism.  It's a collusion with usually publicly traded corporations and government to get special legislation to block competition, special tax treatment, and guaranteed government loans and tax subsidies.

The only place you find true capitalism is in the Small Business Private Sector.  Once those companies grow up, cash in their chips by going public, the stock becomes part of a casino, and no one is risking their own money any more.  Small business used to provide 70% of the jobs.  That's down to about 50% as crony capitalists are crowding them out.

A small business used to be able to go to a local banker who knew him and his business, and his customers.  He could borrow a business line of credit against his receivables to finance his inventory and payroll.  Dodd-Frank made that illegal.  They now have to put up 125% of the line of credit in ironclad collateral. Most are now on a cash basis