Sorry for the tl;dr rant; everything else you said was alright.
We all have different traits. Different skills. Differing abilities; and not all of those abilities translate into profit.
The lie every American child is taught – I won’t say indoctrination because that is overused – is that it is a MORAL GOOD that “transferrable value” is assignable to all human output.
It is not a moral good and should not be taught as one. It may be how we make money but it is not a moral good. It is amoral and should be taught factually as such.