The only thing that's failed here is your perspective. The world is a very complex place and the last thing it needs more of are people pondering half-thought "solutions" to problems they haven't given an iota of thought to.
now, what do we do about this? Honestly, I have no clue.
Where is the market for a driverless taxi if nobody can afford to catch one?
If you're an optimist, there will always be meaningful work to be done (for some kind of credit), supported by a government that knows to placate a society, they need to feel useful.
A pessimist on the other hand might subscribe to the cyclical nature of the rise and fall of civilisations. They catalyst this time being technological development moving faster than our ability to mentally and socially digest it.
We have only got about a billions years left. Let's make them count.