It's neither. People act in their own interests, the bourgeoisie are not intentionally conspiring nor is it chaotic. It's out of the general "improve my material conditions" drive that each class abides by.

I am afraid you have reason to be afraid then. The system encourages the behavior, and once you're trapped in it, there's only one road ahead. You're rewarded for playing the game, you are punished for not doing it. Do you know of "Conway's Game of Life"? It is an old program or mathematical concept with evolutionary algorithms, it has a starting condition and an ending condition, it's highly worth checking out if not for the historical value.

https://en.wikipedia.org/wiki/Conway's_Game_of_Life

You plop down a cell, with some starting conditions, let's say procreate, make money, expand. If your environment allows for it, the cell expands. If it doesn't, then that cell dies. When all cells are dead, the game ends.

Capitalism is a starting condition whose inevitable conclusion is that it dies. If fulfilled, it breaks. By the nature of its internal rules, it can never keep going, there is no stable instance. The aspiration of capitalism is in itself self destructive. Under no circumstance can capitalism ever work in perpetuity. It is inherently unstable, and will collapse. <- we are more or less here

It's like giving an android the command "eat your own face". If it does, it dies. If it don't it fails. We are slaves under this structure, with no way of getting off the wild ride.

I'm partially convinced that the conspiratorially minded just kind of do so because it's easier to imagine that everything is part of a highly coordinated level of fuckery, rather than a combination of multiple captains that are all fighting over the rudder, squirreling us in random directions, and then the kind of motion of the ocean pushing us around, until it all kind of evens out to a baseline rate of snap, or jounce, or whatever it is.