It is not that we are so efficient, but that a priviledged tiny cabal have learned how to push the consequences of their mistakes to the rest of the population.

To borrow your example: In agricultural age, if you fucked up harvest your family starves. Today, if you fuck up the housing market, thousand of families end up in bankrupcy, and tens of thousands of small investors loose their savings... but you do not personally know any of them, so you wont even feel shame when you cash-in that million dollar yearly bonus.

There's historic precedent for that kind of divorce between actions and consequences, and it is not pretty. There's a certain French doctor you should google: his name's Josheph Guillotin.