It's honestly sickening and it's so sickening that people either don't want to believe that it's actually how it works or they don't want to think about it because it's so horrible that any actual critical thought put into this problem would make someone extremely depressed.

It needs to change. It's literally slavery. If you can't afford a home or you don't "submit to producing profits" as you put it, The state can literally make you a slave. Remember that prison labor is a thing too.