Morality is shaped by your material conditions, that is, the society, culture, religion, thinkers etc. that comprise the place you were born and taught, calling the bourgeoisie immoral psychopaths doesn't really do anything. The way to deal with this is to toss morality aside and see the relations of power for what they are, exploitation of a class by another, as have happened for basically the entirety of human history.

This claims for a solution then, ending the exploitation which necessitates ending the division of classes by preventing that a ruling class comes to existence. This is basically the premise to communism.

The problem with waiting for the current system do collapse is that Capitalism has shown to be much more resilient than expected. The contradictions of capital are intensifying still to this day and more and more people are noticing it, but it is to be expected that the capitalists will do anything they can to keep the machine working.

Trying to change the system from within doesn't really work, like you said, the ruling class is not gonna let their power get taken way. One example of this is what happened on Chile with elected socialist president Salvador Allende 50 years ago.

A change this big in society doesn't happen peacefully, it will need a full out revolution that will lead to "injuries". It is unfortunate and me and, I think, everyone would like it to not be this way, but it is.

Here are some resources for anyone that wants to start learning:

In English:

Socialism for Absolute Beginners by Second Thought

Why Social Democracy Isn't Good Enough by Second Thought

Will Life Be Better Under Socialism? by Hakim

"Socialism always fails" is a stupid argument by Hakim

How Capitalism sells poverty as modesty & why equality isn't a practical goal. by Yugopinik

https://dessalines.github.io/essays/

In Portuguese (subbed in english):

Comunismo: princípios básicos e guia de leitura / Communism: basic principles and reading guide by História Pública