The real problem is the amount of value that gets left on the table.
Also, mental health is just as much a part of health and well-being as the physical.
That's probably too much a troll so while I get that you are grinding your anti-capitalism axe, you're also seeding hopelessness and trapped falsely fatalistic thinking. It has gone this way but it doesn't have to and the whole arrangement is a local optimum with much higher global optima available.
In fact there are many of us who have created a parallel life and extend ladders all the time (within our capacity) for others to join us.