The “villain” in this situation is a system that allows a minority of people to attain huge amounts of wealth and power and incentivizes them to keep increasing both as much as possible without regards for others. It’s not the people that follow the incentives.
Unfortunately one of the incentives when you’re part of the owning class is wanting to perpetuate the system: it’s working pretty well for you.
Individual members of the owning class can be great people. But as the original comment stated: most people will usually put their own interests above yours. The problem isn’t that they do so, the problem is that their interests are in opposition to yours.
The analysis isn’t (as you seem to think) at the level of “you’re part of the owning class, therefore you’re evil and we hate you”, but “there should be no owning class, its existence leads to needless conflict and suffering”.
Let’s not get it twisted though: while the real villain is capitalism, it’s always one class that does all the stealing, and the lying, and the gaslighting, and the manipulating, and the cheating.
Power corrupts.