Capitalism is a funnel. Money goes from those without capital to those with capital. Simple as.
It has always been like this. For a lot of people this is a feature and not a bug.
It's also the most productive economic system ever tried.
Everyone talks about regulation, or semi-socialism, or various other bandaids to make it work. But if you don't remove the funnel action, it'll eventually get to this state.
More likely, capitalism needs periods of major collapse and rebuild as major wealth redistribution events. French-style.