How is capitalism immoral? It simply allows people to be free, start businesses, hire or become employees, and do with their money what they please. Whether it be hoard it or give it to the poor; they have a choice.
There is absolutely nothing "free" about capitalism. The worker labors in a factory, where each is assigned to a particular task to insure the greatest possible profitability. There is an authoritarian pyramidical organization of the factory, in the capitalist schema. In capitalist ideology, humans must serve the needs of industry and production, rather than placing the process of industrial production at the service of humanity. Since the capitalist owns and benefits from industrial production, this safeguards the capitalist's position of privilege. The factory system is but an expression of the bourgeoisie's dominant position as ruling class.
Any real change implies the breakup of the world as one has always known it, the loss of all that gave one an identity, the end of safety. And at such a moment, unable to see and not daring to imagine what the future will now bring forth, one clings to what one knew, or dreamed that one possessed. Yet, it is only when a man is able, without bitterness or self-pity, to surrender a dream he has long possessed that he is set free - he has set himself free - for higher dreams, for greater privileges.”
-James Baldwin
"We change ideas like neckties."
- E.M. Cioran