Karl Marx said ultra-capitalism would eventually fall in on itself. Society needs a few interventions to keep it functioning. For example, 12 years of primary education really makes no financial sense.

As for your city designs, they should be more sustainable. One poor design is suburbs with few shops within walking distance.

Children's toys! Built to last only a year or two. Then off to the landfill. But cheap for the parents. What if we built better quality toys that could last six or more kids via the second-hand market? And built locally.