My gut feeling here is that this isn't even a moral issue at all, but I've been having trouble articulating that point. You absolutely hit the nail on the head with this.
This one! Our world is pretty backwards! If you can't see that, you must live a privileged, sheltered life.
Do you think a world where medical bills can bankrupt people is not a backwards world? Do you think a world with homeless people is not a backwards world? Do you think a world where we incarcerate people by the millions for smoking a plant is not a backwards world? And these are just a small sampling of things that happen in the US.
If you truly don't believe we live in a backwards world, I don't know what to say. You're just so completely out of touch with the reality we live in that there's no way to have a productive discussion.
Wages have never been tethered to productivity, arbitrage has existed since before there was even a currency. Healthcare and housing has always been and always will be a privilege, your human rights only extend so far as they do not infringe upon someone else’s human rights. Doctors and construction workers cannot be compelled against their will to do work, neither can the collective taxpayer.