Exploitation is the Problem

When it comes down to it, my biggest problem with people is their willingness to exploit others.

It could be the workers getting exploited for the profit of the owners.

It could be the women (usually) exploited sexually for gratification by men (usually).

It could be the homebuyers exploited by the banks.

In each of these cases, of course, there is an element of contracting that takes place.  But the problem is that contracting implies that equal parties are engaging in the relationship.  Exploitation implies that there is an unequal power relationship between the two parties.  That means that those with power are able to craft the contract such that they get more benefit (the rich get richer, the poor get poorer).

This isn't to say that the less-powerful do not have agency in creating the contract, just that they are generally getting less than they give and this goes against my whole commie "from each according to their ability, to each according to their need" thing.