I'm focusing on the bad actors, who are the ones extracting all of the money from the system as profit. That's what makes this dysfunctional. If they were gone, the people trying to help would have more resources. Notably, these people hold titles associated with the artifices of capitalism. The social worker doesn't need a board of directors. She knows what needs to be done. It's the board of directors who need the social worker -- not to fix anything, but to do the appearance of work while they collect rent checks from the government. It's disgusting.

We can imagine this enterprise organized another way which actually helps people. Fewer Ferrari dealerships would make sales, but that's a sacrifice I'm willing to make.