For the people who defend capitalism by saying 'If you work

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For the people who defend capitalism by saying 'If you work hard you should be able to reap the benefits of that work' let me ask you, what is working hard exactly? Because to me it seems that construction or factory workers are working hard every day and they don't seem to be reaping the benefits of that hard work.

I understand that's a stupid example because construction workers didn't have the same education a lawyer or a stockbroker had. In that case it's not about working hard but about working smart. It just seems unfair to me because it's all about luck at the end of the day. People studying finance, law or any other profitable career are only there because they had the luck to be born in a relatively well-off and smart family.
Is just a self perpetuating system in which lucky people take advantage of the hard work of ignorant/dumber people. I'm not talking about who's right or who's wrong, I'm just saying the system is inherently inhumane. And lastly you may say well but in a capitalist system everyone has the chance to build themselves the life they want, no one forces them to keep working in construction. Well but that's the thing, if every construction and factory worker suddenly decided to start striving for the good life (being rich) then the system will collapse, and what do you say next?
The system relies on them, while the top of the pyramid profits from those pillars that hold the system. It's inherently inhumane. I'm not a communist but in my opinion communism is no worse than capitalism.