Maybe your optimism is what we need, but I don't see the logic of it.
You've seen how the "money can't help itself". Individual choices matter only to a certain extent, and I haven't seen any evidence that "enough individuals making the right choices" is sufficient to effect any measurable positive change.
The logical conclusion of the evidence I've seen so far is to change the system. Capitalism sucks when your goal is not to make as much money as possible. But changing the system seems too hard (and too much like a commie/revolutionary/extremist), so instead people just try to try harder. It sounds almost like a religion (cult) -- if you are not favored by $deity, you don't have enough faith, so try to believe harder and your wishes will be granted.
It's not to say I don't respect your decisions and commitments. Just that there's 8+ billion people in the world and individuals are just one out of 8+ billion, and "try harder" doesn't seem to work so well given these numbers and facts.
Most people I worked with in tech cared about things like climate change, but they were making good money and the problem felt so far removed and difficult. What could they do to make a difference? It's always easier to focus on the next sprint, the next title, etc.
I mostly blame greedy billionaires, citizens united, and cowardly politicians, but I have a hard time respecting people making six figures who aren't doing something to improve our broken country, even if it's volunteering at homeless services.
What is your approach to changing the global economic system that doesn't involve trying harder? That sounds very hard.