I think along very similar lines, except I don't believe capitalism (or generally, the market) is a benevolent AI. I believe it's an Unfriendly AI, in the Yudkowsky/Bostrom sense. That is, it's a strong optimization system that does not care about individuals and societies the way individual humans care. It just does what it does.

So far we've enjoyed the power of capitalism because its incentives were mostly aligned with ours. Our technological civilization is a direct result of that! However, I think those incentives are increasingly becoming misaligned, and that it's the source of many of current woes. In fact, capitalism is slowly becoming more dangerous than it is helpful.