It's posts like this that really make me embarrassed to be here on Lemmy. So many people here like to shake their fists at the sky and complain about how the world works.
Yes, capitalism leads to major inequality. Other options are out there but also lead to major inequality.
Best you can do for you and your family is to try to live well within the system, and vote for the changes you feel will best serve everyone.
Ranting about billionaires not being good people in any case just makes your audience stop listening.