Well put. I would add the 401k system to the ways people are farmed. It was never designed as a comprehensive retirement mechanism (got created right before Reagan), and only became considered as one when financial sociopaths realized they could market them that way. A dignified existence in old age got sold as something that people have to afford rather than something everyone deserves.

If you haven’t, you should check out this video by Audrey Choi. She worked with Al Gore before, and is now working on Sustainable Investing at Morgan Stanley. It’s really well-aligned with the theme of your essay.

https://www.ted.com/talks/audrey_choi_how_to_make_a_profit_while_making_a_difference