Basically this. Capitalism could be moral, if those at the top didn't feel the need to hold on to as much money as possible. Walmart, McDonalds etc, HAVE the money to pay their workers more money but they choose not to. You know how much they want for yachts nowadays?
Let me explain why i just gave you positive rep.
Everything you said is facts which prove why capitalism has no moral basis.
http://www.forbes.com/billionaires/list/#version:static
^This list is the end result of capitalism.