Capitalism is

 

My preference as a definition is:

'Capitalism is: the Use of Money to Get, Retain and Accumulate More Money, by using (Usury) of the 'Ownership' (Theft) of Economic Resources as Land, The Law and Intellectual-'Property' to extract Rent, Interest and Profits-to-Shareholders.

Thus:

Capitalism = Theft + Usury'

The problem, exactly as you describe and which the board game of Monopoly was invented to show is that Capktalism leads to the Tyranny called Plutocracy.

And, since Plutocracy is Inequality, it is injurious to everyone, Planet Earth and our co-inhabitants included.

Visually this very easily demonstrated.

If you hold out in front of you your two hands, palm down and fingers pointing at one-another, you have a representaion of freedom.

If you then move one hand up and the other down, you have a visual representation of 'Not-Freedom' ie Tyranny.