This is exactly why capitalist systems need regulation. But as we learned in 1929, again in 2007 and with payday loans, nothing changes. Regulation is socialism and the road to totalitarian communism. As is atheism. Jesus and unfettered capitalism are what makes us free.
If you do not understand and accept that you can always move to Europe, Australia and Japan where everyone has health care, are safer and are happier than we are.
On the other hand, if you find America too liberal you can always move somewhere more conservative. Like Saudi Arabia, Somalia, Iran, Russia or hmmm… That seems to be about it.