so far I haven’t seen any credible systemic solutions

There are many credible systemic solutions to this problem but over the past 40+ years those solutions have been watered down and killed off.

Things like:

• High tax rate on the wealthy and a well funded IRS to enforce those laws
• Strong regulations and well funded departments to enforce those regulations
• Better education for the population at large and enough funding to give all members of the country free access to it
• Strong labor unions and an well funded FTC to help protect them
• A strong and FAIR justice system and the funding to keep it fair

I’m sure there are others