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Apple Pay, Cash App, and other digital wallets will be regulated more like banks now
(www.theverge.com)
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You encountered the purpose of Capitalism!
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There being a purpose to capitalism implies that there is some grand plan behind this system. There isn't.
I think you are so terrified by the idea that the world and it's economic system are inherently chaotic that you are coming up with entirely irrational attempts at smart-sounding explanations like this one.
This doesn't mean that there aren't elites exploiting their favorable position in the current system, including in times of crisis that they caused themselves.
@themurphy@lemmy.ml, did you even read @dharmacurious' comment or even the article?