capitalism is literally just the free market. it doesn't warp anything, it doesn't cause anything, it's just unrestricted economics when weirdos aren't meddling in it.
what YOU decide to do with YOUR money is on you. your time, your effort, your work. it's all on you. Capitalism won't save you, but it also won't hold you back. meanwhile every other "economic system" leads straight into disaster.
ultimately it's a matter of personal responsibility. what choices are you going to make that will improve your life and YOUR ability to improve the lives of others if you so choose?
Capitalism has warped how people see the world. We've been taught that selfishness and greed are normal, but they aren't. It's not natural to accept that people should go without shelter, food, and healthcare because they have no money.