This problem isn't complicated because it's intellectually challenging. This problem is complicated because the balance of power is overwhelmingly favorable to the rich, and they have many means to both disrupt the conversation in intellectual circles and to block any political means of making these necessary changes.
See economist Richard D. Wolff for extremely simple answers to the above problem. Ultimately it is simply the math of value flows. Current system? Inherently concentrates at the top. Adjust taxes (any of them!!) to reverse that.