The reason you have to say probably is because nothing is 100% certain in situations like this. Imagine some virulent agricultural disease spread among large areas of production driving a sharp decline in production. It doesn't matter what economic system you have there - even if everybody is a 'real' millionaire, people are going to starve simply because there isn't food to feed everybody. The Irish Potato Famine [1] is a good example of this.
Things like this are pretty improbable, but far from impossible. The odds of catastrophe are probably higher than utopia, but your concern for catastrophe should still be at least somewhat comparable to your enthusiasm for the odds of a utopia emerging from capitalism. Neither is at all likely.
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As for bad actors, I imagine at one point the vast majority of politicians probably thought about getting involved in politics to try to make the world a better place. They were likely good people, like I think most tend to be. But at the same time I think we are all probably alot more 'morally flexible' than we'd like to admit.
Imagine I tell you I'll give you a million dollars a year if you agree to spend an average of an hour a day to engage in divisive trolling online. I somehow have a mind-reading device to ensure you will genuinely and actively work to do this and further my malicious ends. Regardless, unless you're already quite rich, you're probably going to agree after approximately 0 seconds of thought. What's one more troll even matter, right?
Now imagine you're in power and I want you to do something awful. So I give you a nice long power point presentation, more than enough to ensure you can convince yourself it's a good thing to do, and then offer you a very enticing sack of incentives as well. You're suddenly going to do a great job of convincing yourself that that snazzy powerpoint was right on point. I mean if you hold the banks accountable the economy will really collapse, and people will starve, it'd be catastrophic. The only way to save the world is to not only not hold the banks accountable, but to give them billions of dollars instead and work to actively re-empower them. Yes, Mr. Sachs, I see your point. I completely agree with you! Now hand me those sacks!
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So the whole issue isn't about getting rid of bad actors. You need to somehow elevate people to power that cannot be swayed by self interest. I don't think this is, or ever will be, possible. Even in a time where we have Star Trek style replicators that can pump anything out in an instant there will still be incentives - ego, sex, power, fame, legacy, desirable appointments, ideological victory, etc.
I do fully agree with you on your pointing out the quite hypocritical distinction between behavior of employer and employee. Our entire economy is increasingly be driven by culturally regressive business endeavors. I think there are some solutions there, but this is another topic altogether.
[1] - https://en.wikipedia.org/wiki/Great_Famine_(Ireland)