Lol, wow such language. Get a grip and chill out man. Again, there are terrible people in every profession, but your broad statements simply aren't true. I work in retail, so I'm hardly in any of those positions of employment and yet I have an amazing employer that is family run. My financial adviser has done great help me the little I can put away to help it earn more for me so I can retire some day. And any time I've had an issue my insurance company has been great in getting things taken care of quickly without a penny leaving my pocket. (Also, if your smart about insurance, have a super high deductible so you can keep you premium low and then keep your deductible locked away in a savings account so you can save a bunch of money in the long run).
As for laziness, it can creep into any profession. Are there lazy good-for-nothing, landlords, investors, and insurers? Sure. But they typically don't do that well. I've seen plenty of the opposite who are very hard working and genuinely care for those they work for. And let's not forget there are plenty of lazy everyday workers (I've worked with many) who don't even deserve the meager salary they earn. I'm really sorry you've had such a long string of bad luck lead you to believe that anyone in those roles are nothing but scum.
The beautiful thing about competition is you can't become too greedy otherwise someone starts their own business and steals your clientele. With some extra regulations you can have a fairly decent and fair economy that benefits those who want to work for a living, but doesn't leave behind those who may have some disadvantages.
Do big corporations get corrupt? Sure. It's why we have anti-monopoly laws. There is such a thing as too big since that breeds too much power, leading to corruption. And let's face it. There isn't a single successful example of pure socialism that hasn't had even worse corruption issues. It's truly abysmal, unfortunately. The people stuck in those governments truly deserve better.
An excellent book you may want to check out is called Mig Pilot by Lt Viktor Belenko. Outstanding read with awesome insights from a USSR defector back in the 70s and very easy to read through in a weekend. Highly recommend.