Even though there is a seemingly inexhaustible supply of grifters and rentiers, it's unreasonable to say that "this is how pretty much every business works".
If you buy a car the mfr is hardly inserting themselves between something you could have without them. Same for a haircut, a restaurant, or the food the restaurant used, for that matter.
There is even a small segment of the banking industry that does more than just insert itself and charge a toll!