They are not the rich and superrich, nor the politically powerful running the two-party plutocracy, nor the greedy heads of banking and finance companies, and certainly not the media moguls and bloviating pundits.

At some point the business sector realized the best way to take advantage of consumers was to use default options that make them spend money.  A default option works because it creates an automatic decision by the consumer doing nothing.  And doing nothing is the path of least resistance for time-poor consumers struggling to balance the many difficult responsibilities associated with work, family, maintaining financial security, and coping with stresses on their health.