Do people enjoy consumerism, or does capitalist culture generate "must-have" behaviors?

Capitalism functions until collapse, and governments/bourgeois repair it or the workers revolt. However, the 2008 financial crisis and the pandemic demonstrated that central banks uphold the system regardless of worker demands.

US regulatory boards aren't regulating businesses or protecting workers and consumers. Corruption rotted the government, creating public distrust that requires radical change and decades to rebuild.

FDR's New Deal saved capitalism, yet it failed again and again, and I don't believe humans are inherently corrupt.