There is a 'human' process 'somewhere in the middle' as you say.
I'm not anti-capitalist, I just acknowledge this as a fundamental part of the human process. It might even be the case the businessman's incentive don't fully align with the stockholder/owner's incentive, in many case the businessman can profit at the expense of the company by capturing higher commission with side-effects that the company won't understand.
A clever businessman will get the better end of that, while still leaving his customer better off than if he hadn't transacted at all, as many witness at the car dealership.
My point is that most business is in that middle. A typical business transaction ends with both sides getting a decent chunk of the value produced. Abusive transactions happen but they're not that common, certainly not the majority as the other comment said.