memes

You're wrong in your analysis. The system hasn't qualitatively changed. It's still a system with an owning class and a working class. The difference is that capital now, as you say, mostly revalorizes in the financial sector instead of in the industrial sector. But capitalism is called capitalism, not industrialism.

Lenin already talked about this in his 1916 treatise "Imperialism: the highest form of capitalism". He describes the process of concentration of capital that took place over the 19th and especially the beginnings of the 20th century, the consolidation of trusts and cartels, and the financialization of the economy. You're describing nothing new, he calls this phase of capitalism "imperialism". But it is a phase of capitalism, the social relations haven't been changed, workers still have to sell their labor force as a commodity, goods and services are exchanged in the free market, and the owners of capital, be it financial or industrial, rake the surplus value from the workers.

"Rentism" is just the end state of that same game of Monopoly. Some own everything and everyone else just goes around spending what little they have on rent. The game didn't change name just because some people already won and it wasn't us. We sell our labour to the capitalists to buy the necessities of life from them, while they enjoy the surplus value generated by our labour. That's straight up the marxist definitions of working class and capitalist.

Just for a start, making a lot of stuff won’t make you rich. If you just get capital, invest in some random production, and go to market, you’ll almost certainly fail.

I fail to see how this isn't a feature of capitalism. Just "making a lot of stuff" never worked even in the haydays of capitalism. You need a valid business case and customers etc..

But also, the state hands capital down everywhere

That's the money you get every time you pass the starting square. It exists solely to keep the system functioning without the need for dramatic reform. If the tenants have no money to pay with, the landlords don't get their profits.

freedom of initiative is severely restricted everywhere

That's because the capitalists (people who own the means of production) have no intention to share their positions of power with the plebeians. Doing so would be against their rational self-interest. The state is a tool among many they use to perpetuate the status quo. Lobbyists and campaign funding are the most direct examples of this, but it goes a lot deeper than that.

most of what we call “capital” isn’t past produced value

Anything that can be traded for money counts as capital when even money itself can be used to manipulate the markets to generate even more money. Yeah it may well be some NFT or other such scam, but scamming is just a profitable business among others. To stick with the allegory about tenants and landlords: Owning a house is a profitable endeavour that generates passive income. The money generator box has some person inside who may at times complain about a kitchen appliance not working, but most of the time the thing just keeps generating capital for you despite the annoying whining noise coming from within. You may then invest this capital, for example in purchasing additional money generator boxes.