Some retirement saving schemes may be a pyramid scheme. When the population growth stagnates, there will not be enough young people to produce for everyone.
Capitalism is a scheme where finite raw materials are being extracted and where finite nature is being destroyed - both on the planetary scale; once we reach the end, it will be the end.
Yes it’s a hard question how to deal with this. Practically all the consumer goods somehow harm the environment.
You don’t need a 65" OLED TV because you know it’s bad for the environment.
Government intervention goes the other way: capitalists like intervening into government.