Capitalism incentivizes abuse, because abuse is profitable.
Note that I don't disagree with your notion that abuse is abundant in all human societies.
If you assume that abuse can be caused or influenced by more than one thing -- which I believe makes sense but you might disagree -- then it doesn't matter what communism was doing if we're talking about capitalism.
The thing with banks is that they aren't productive in the first place. They're scalping off whatever they can get, with fierce competition. If you're fresh out of college and get hired into these places, you can't just walk away without risking your whole career. It's a monopsony. That's what enables abuse, human nature takes care of the rest.