The problem is parasitism. Yes, people are stupid and they buy useless crap, but in any sort of arrangement, people start insinuating themselves as middlemen. Then there are middlemen between the middlemen, and middlemen between the middlemen between the middlemen. Each time this happens it sucks a little more money out of the system. This money goes into the coffers of the middlemen, people who do nothing useful and produce nothing useful.
At some point the middlemen started farming us like cattle.
Interestingly, the phenomenon of parasitism goes back to slightly after the origin of life. It's an evolutionarily stable strategy.
For people to not behave the way you're talking about would require unrealistic changes in the human psyche. People are lazy. Laziness is also an evolutionarily stable strategy: if you can sit back, get fat, eat Big Macs and have 10 kids, you're much better off in an evolutionary sense than the person who is half as lazy, gets half as fat, and has only five kids.
If someone is taking care of you and your kids, that is.
A lot of these types of discussions come with a built-in agenda: "The problem is such and such (and the solution is blah blah blah!)"
But if you're looking to solve problems that have been around since we were propelling ourselves around with flagellae and cilia, I wish you all the best with that.