Very interesting! I quite enjoyed (and agree with) most of your post.
I think the only place we differ is that I have a different definition of capitalism which is letting the free market decide. In other words, let people spend their money how they want without government interference. The problem we are having today is not capitalism in my view, it is neo-fascism. The governments and corporations working together to give themselves more power. This is the opposite of a free market. So with that being said, I don't really agree with your line "I contend this is definitely a capitalist solution to a capitalist problem" because if the government is doing it, it is not capitalist. A capitalist solution would be something that people do of their own free will. A charity for example, or something like grantcoin. (Eos seems to be working on some sort of UBI as well). I'm not going to pretend that I know what the best solution is, I'm simply pointing out that true capitalism lets the market decide. This unleashes everyone's creativity. Honestly the most efficient solution in my mind is where everyone just helps everyone else without worrying about money but I don't think the human race can handle that at this point. (Similar to communism but without any coercion of force of the government) Just my two cents.
Anyway, great post! I thoroughly enjoyed it!