Every "wallet voter" is in a kind of "prisoner's dilemma" with each other where it won't do anything if they stop unless everyone else stops too. But if everyone else stops then they can continue. Everoyne is aiming to be the one who can continue while everyone else stops thus nothing happens. Every collective downside of any consumption (and because of requirements for infinite growth there is always collective downside no matter what) will always go away if someone is the only one doing it.

So you cannot see or understand the system by looking at an individual. System that divides people into making rational individual decisions (called free market economy) without any real way to conspire co-operation is always going to result in something that is irrational for everyone as a whole. Everyone has to "defect" and for every person you convince against their self-interest to "co-operate" there will be 10 more "defecting". If you want best possible overall result you need entirely different system like centrally planned economy which for example walmart and amazon already uses.

If you attempt to fix the system instead changing it entirely you will just end up making it worse because of regulatory capture. The fault I described cannot be fixed because it would be contradictory to the very foundation, so instead of actually fixing anything it will make the system even more unfair and perverted.