You are enunciating some of the true issues of capitalism. Pure capitalism only gives a person something for something (money for labor and so on). But yet it is human nature to want something for nothing. So humans will set up governments (called democracies) whose implicit purpose is to gain something for nothing -- bankers want to make profits with no risk, common people want free healthcare, and so on. These goals cause cognitive dissonance in not only individuals but large swaths of people.
As Aristotle rightly determined, this society eventually collapses and we eventually revert back to a command system.
Is it possible to ever have a stable system that is not prone to collapse? Marx thought so; when everyone was happy to live a very simple live and no one wishes to accumulate, then humanity would have no need of any system except communal-ism. I don't think so simply because social systems of highly intelligent and unpredictable beings are CHAOTIC.
So since chaos is built into life, simply accept it. Assume that most people will starve to death or die from horrible diseases or in some horrible war. That's life, embrace it.
War is all and all is war.