You’re right. Capitalism doesn’t have a plan. Because capitalism is what happens when people freely choose how best to invest their time, their labor and their savings for their benefit, not yours.
I’m sure you prefer trusting politicians and bureaucrats with your future, because of their demonstrated past wisdom. From the deaths of veterans waiting for medical care from the VA, the theft of food from Ukrainian peasants in 1932 that caused 7 million to starve, the healthcare.gov website that crashed 20 times its first day and registered all of six people, the black hole of Asia that is North Korea’s power grid, the “redlining” of black neighborhoods by the Federal government in the 1930s preventing them from getting mortgages; all these success stories must warm your heart to no end.
I can see why you embrace the idea of putting your future and the future of your children in the hands of faceless unaccountable cubicle inhabitants. May Bernie Sanders serve you well.