It's interesting that you identify ultra efficient hyper capitalism as the problem, then point the finger at Wall Street traders betting on mortgage backed securities. They really have nothing to do with each other.
To the extent you can blame anyone for ultra efficient hyper capitalism, blame programmers. It's programmers that allowed Uber to turn the inefficient and leisurely taxi industry into the Uber/Lyft rat race. It's programmers who develop the on-demand work scheduling algorithms at places like Wal-Mart. Programmers are the reason why Amazon can take over all the mom & pop stores, turning warehouse workers into appendages of machines. Programmers are the ones who enable international mega-corps to enjoy unlimited economies of scale.
To the extent you can blame anyone for ultra efficient hyper capitalism, blame programmers. It's programmers that allowed Uber to turn the inefficient and leisurely taxi industry into the Uber/Lyft rat race. It's programmers who develop the on-demand work scheduling algorithms at places like Wal-Mart. Programmers are the reason why Amazon can take over all the mom & pop stores, turning warehouse workers into appendages of machines. Programmers are the ones who enable international mega-corps to enjoy unlimited economies of scale.