Thanks for another detailed run-down of "Almost legal" scams at work. I hope we will all come to realise that the energy fuelling all of this is what is also responsible for the planetary heating problem. I call all of it the global energy problem. At its heart, the desperation you've identified is the same desperation as pretty much all for-profit endeavour (All of "Business") as stands. It can be modelled by noting money is energy, and realising that the energy content in money has to decline hand in hand with availability of extracted energy.
The only way to get around it, thus avoiding all the negative outcomes, is to switch to a mathematically positive energy source, and there is only one, solar, which can only be had on a distributed community basis.
We get it, as soon as money is issued on it, for free, like the energy we need to live on by it is given for free, with nothing asked in return by the sun.
This would be us aligning money with the energy of the sun, removing all possibilities of creating money from money (scamming / business just for profit - it's all just a scam, always was, we just didn't know, it's a systemic misconception that business just for profit is "perfectly fine" - it never was)
But with it (monetised solar energy), we will be back in increasing energy mode, we will instantly see things turn around for the better.
I think this is inevitable, but we could go through a lot of pain getting there "The hard way".
I hope it won't come to that.