We often quip that companies (particularly publicly listed companies) are incredibly bad at long-term planning. They optimize for the current quarter only (mostly). Dell was a great example of this. It essentially created the Taiwan PC industry that eviscerated it but further outsourcing every part of their production line. A series of short-term decisions that had long-term consequences.
I hate to breka it to you but capitalism is doing the exact same thing to people.
Financial security and independence is bad for capitalism because it needs people to show up to work. It needs people to need those jobs and (even better) live paycheck-to[aycheck. That's the recipe for a compliant workforce. Increasing real wages is bad because it decreases dependence and profits, which is why there has been almost no increase in overall real wages in 40+ years.
Student debt, housing debt and medical debt are by design. Your labor is extracted to very few. Centuries ago, nobles were at the top of that pyramid and we called that serfdom. What we have now is basically the same thing but we've just replaced nobles with the capital-owning class.
People once had children because of high infant mortality (and mortality in general) and to look after them when they got old. Now we need a certain amount of security to provide for those children. And the short-term exploitation of labor has the completely understandable effect of people waiting to have children, not having children at all and/or having less children.
We produce enough such that everyone could live comfortably. We produce enough food such that everyone could be fed. We, as a society, have allowed people to starve and be homeless and instead of sharing the wealth letting it concentrate in the hands of a few hundred individuals.