I listed the symptoms that lead to your symptoms and then I stated the cause of all the symptoms. That cause is monetary inequality.
Without equality, people will naturally acquire every symptom in both our lists. With it, they will feel empowered to make the changes as well as have the power to do so.
Let people keep the product of their labor. Stop the banks from stealing 98% of it.
Path to solution:
Stop feeding the banks and they will go bankrupt.