Which of these is an adverse effect of capitalism? the productivity of the system is very low. it leads to an unequal distribution of wealth. it does not provide any motivation to work. it generates lower standards of living for people.

I believe the answer is It leads to an unequal distribution of wealth.
The capitalistic system favors the individuals who possess 2 things:
- Business ideas
- Resources/Capitals.
But in a capitalist system, the profit that generated by the business will all be belong to the capital owner (after being cut down by taxes) and other workers only receive the amount of salary that agreed upon before in the employment contract.

Ithink the answer you are looking for is (b).