Have you ever read a Captain America comic book?
That's exactly my point.
Captain America comics don't do social realism. There have been some clumsy attempts at it, but it's always been a sort of unreal, comic-book-y context, with over-the-top villain organisations, robots/clones, Nazis and so on. So it's easy to do moralizing and it seems justified when it's literally Hydra or whatever.
The problem with FatWS is that they tried to make it "more realistic" than a comic book, but in a social ills sense - again the loan example is very easy/obvious here. They tried to bring up a lot of real social ills, they tried to make the Unaccountable Resources Committee (I can't remember their name) realistically fearful, nasty and implied-corrupt, and so on. Then they fail to really address or even truly condemn (imho) any of those social ills, and sort of say "Well, guess there's nothing we can do about it!".
If this was a comic, especially a Steve Rogers Cap one, those Resources guys would ALSO have turned out to be actually-evil, and Cap would have had to punch at least some of them, and others would be going away in handcuffs. Instead they merely were deserving of a harshly-worded NYT-ish "letter to the editor", delivered in the form of a speech. Because "realism" and safe-ness has demanded that these creeps who look and sound a lot like the people who really run our world (as in mainstream politicians, corporate types, etc.) cannot possibly be
actually punchable crims. Like how people have these guys killed through starvation and forced population movements and so on? Probably a huge amount more than bad guys blowing up a hospital. That's chump change. But because they did it with laws and rules (however unaccountable - they seem to be true technocrats), Cap is pretending that's okay? Steve would never.
And the speech isn't even terribly convincing or thrilling. It's too moderate, too safe, too normative in a world that is clearly dealing with something huge and were the concerns are far too real and raw to be dismissed in this way. It's too "Well yes they did bad things but you are being kind of naughty" in this sort of way that isn't convincing from someone who isn't literally a relic of the past, and just feels like a let-down/cop-out. I feel like there's no way Steve would have let them off that easy either.