I don’t want kings or monopolies

Its not really a matter of what you want. These are systemic issues, not personal choices.

I would also argue that “we hand powers over to modern capitalist institutions without a second thought” is a pretty loaded sentence.

Its a consequence of growing up in a world that functions in a particular way. Adopting the tools of a society means putting out substantially less effort for survival than trying to cut across them. Ask any homeless vagrant how easy it is not to have a bank account or to get by without a job in a commercial business or state institution.

It’s not like someone asked us.

You work within the system because you fear the consequences of transgression. Nobody has to spell out why you can't squat in an empty apartment room or wander through a grocery store grazing out of the produce section. You pay your credit card balance and your car note because you know what happens if you miss too many payments, not because some repo man or loan shark has to spell it out for you.

Sounds pretty dismissive to assume people are acting outside of their better interest.

When you're under the gun, its in your best interest for the other guy not to pull the trigger.