Yes, this game of holding out a straw to a drowning man (loans) even though you are involved in making the water rise is well known to me. You don't often hear that there are more rational than irrational people, man's image of himself seems marked by self-contempt. Your keyword of adjacent functional systems, what are you referring to here? To solutions that are based beyond corporate interests?
Yes, I also think that the pain can backfire and that there is a certain cynicism to this statement that I don't like and that I oppose. As critical as I am, I don't want to fall into this fatalism.