To me it seems you both are really talking about the different parts of the same elephant. One of the Marx's objections about capitalism was if the capitalists

To me it seems you both are really talking about the different parts of the same elephant. One of the Marx's objections about capitalism was if the capitalists are being rewarded for building services by additional capital ownership, who are they eventually gonna provide additional services to that this additional capital generates? And so we finally arrived at this endgame. This manifests as low demand, both from labor (unemployment is keeping wages down) and firms (lack of competition caused by lack of investment opportunities because of predicted lack of demand).