Ethics are easy when you can afford food.

Post 2000s there has been a pretty fundamental change in the US economy. Things like rent and food were far cheaper. There was also a lot of potential income to be made by individuals by connecting buyers and sellers. Typically if you wanted to sell something like a car, you either went to a dealer that screwed you, or you put and ad in the local paper. If you watched around you could quickly buy cheap cars and turn them quickly for more than enough profit to make it worth while.

The internet quickly flattened this. First by pulling all the buyers and sellers on one advertising site it quickly turned into the fastest with the most capital won. Then the sites themselves figured out they should be the middle man keeping buying up the stock and selling it.

There has also been a huge consolidation to just a few players in many markets. This consolidation and many times algorithmic collusion has lead to the general ratcheting of prices higher. When you start adding things in like 'too big to fail' the market becomes horrifically unbalanced to large protected capital with unlimited funds from the money printing machine.

It's no wonder we quickly dropped ethics, most of us would starve to death in the system we've created.