In this case though, I tend to agree with the previous person that it is malignant indifference. Millionaires aren’t actively trying to hurt people, they just don’t give a shit that they’re doing it. If the same or better results could be achieved another way, they’d go the other way because it would maximize profits.

You’re right that there are sadists out there who enjoy the suffering of others, but I’d wager that’s a very low percentage in terms of people running companies or crafting legislation.