I heartily agree with everything you said …. except “capitalism doesn’t have a plan.”
Well, certainly it has a plan if that plan is taken as the essentially identical plan of each individual capitalist. Michael Parenti has summed it up nicely:
“There’s only one thing they want: all the wealth, the treasures, and the profitable returns, all the choice lands and forest and game and herds and harvests and mineral deposits and precious metals of the earth, all the productive facilities and gainful inventiveness and technologies, all the control positions of the state and other major institutions, all public supports and subsidies, privileges and immunities, all the protections of the law and none of its constraints, all the services and comforts and luxuries and advantages of civil society with none of the taxes and none of the costs.
Every ruling class in history has wanted only this: all the rewards and none of the burdens. Their operational code is, “We have a lot. We can get more. We want it all.”
And if you don’t know that, you’re in a sad place. If you know that and you don’t know anything else, you know more than if you know everything else and you don’t know that.”