Correspondent Simons Chase insightfully summarized this dynamic: Privatize the Gains, Socialize the Costs.

In my post Five Dynamics That Make Sense of an Increasingly Chaotic World, #3 is the distribution of risk, costs and consequences to a diffused populace while concentrating the gains into the pockets of insiders/owners:

Those seeking to reduce their private risks and increase their private gains seek to concentrate the gains generated by control structures and distribute the risks and costs to others. Pull the strings that diffuse the costs and risks over a large populace and gather the gains into the hands of the insiders that manage the control structure, typically some form of monopoly, either public or private, or a fusion of public-private rackets.

So corporations face low risks while the gains are extremely enticing. This diffusion of risk and concentration of potential gains establishes perverse incentives to increase extractive, exploitive, well-hidden rackets that impoverish and immiserate the many, but in doses small enough to avoid triggering push-back.

In a system that concentrates gains and diffuses risk, the "rational actor" seeks to maximize rackets that distribute impoverishment and immiseration to the many in small doses over time that attract little attention and are not significant enough to trigger an emotionally potent resistance.