It's a classic example of us being dragged along by incentives and emergent patterns against our individual wills and better judgement.
People think it's a conspiracy of the elite, but the last part of your message is true and it makes me wonder to what extent everyone is being dragged along by everyone else and nobody can stop because nobody can stop.
I mean if I were a multi-billionaire, I'm not sure I could do anything. I could piss into the wind with a somewhat larger amount of piss.
I've come to believe that our lack of agency over emergent behaviors in our own societies and economies is a central problem of the human condition.