The solutions here aren't arcane magic or anything: Money needs to leave the rich, and get to the working class to re-stabilize consumer habits. But since the Reagan era's slashing of all manner of corporate regulations, the system seems either incapable or unwilling to let that happen, no matter how much of an imminent threat it presents to that system. So we go on and circle the drain.
It truly is, too.
I do appreciate the tropes of "It is the year 4,000 BC, and you are immortal, the pyramids are being built. You make $10,000 a day, tax-free, and spend none of it..."
But even that is hard to digest.
I'm in my mid-40s. If I tell my friends, "Someone gave you a million dollars a day, every single day since you've been born. And yet, there are multiple people out there with ten times more money than you," it becomes more digestible.
And still just as unconscionable.