Poor maligned Capricorn!
Some of Capricorn's so-called love of the status quo has to do with:
1. Trying to see the world as-is, not as wished-for. 2+2 is always going to =4, no matter how badly we might hope it will be =3 or 5. It is an earth sign, so like Taurus and Virgo, its orientation is primarily material and practical. And there is nothing inherently wrong with the earth element. It is how we eat and put a roof over our heads.
2. Capricorn's strategy as a cardinal sign is to understand how a practical system works, and then, mountain goat-like, to attempt to climb to the top of it. In modern astrology, a person with a strong Capricorn influence might be deemed to have administrative ability. We need people like this.
3. Capricorn's mottos might be, "If its not broken, don't fix it." "Don't throw the baby out with the bath-water." To Capricorn, progress occurs only if an innovation is demonstrably superior to what it purports to replace.
4. Capricorn is ruled by Saturn, which gives it an affiliation with old age and a long view of history. Societies who honour their seniors and their heritage, and who have enough sense to provide for their futures exemplify the positive qualities of Capricorn's outlook on life. Equally, the negative side of Saturnian Capricorn would be a morbid fear of the future.
Capricorn is not the only retentive sign, incidentally. Each sign hangs onto something dear to it, even if it is one's freedom to claim one's utter independence. Aquarius? You know the old saying, "There is no one so conservative as an old liberal." Aries? "I gotta be me!"-- even when cooperation would be advantageous.
So if we unpack your post, sandstone [and I am not picking on you personally here, just by way of general example], you said that, "to me pluto in cap is about maintaining the status quo and involves a fear of seeing it taken away.. the gov'ts, corporations and established structures embedded that define our present society need to change - undergo a transformation - a pluto thing - and there is huge resistance to this with pluto in this same location... it will come, but not without a struggle."
While this might be true for some individuals and institutions, look at the flip side of this coin. Suppose I came to your home, and decided to take away your belongings because you seem to be an anti-Capricorn, pro-change, soak-the-rich kinda guy. I might even claim to be a latter-day Robin Hood. So obviously you would be prepared to walk the talk? I doubt that you would gladly relinquish what you own. You want to claim that you're not rich? You would seem rich to a homeless person in a slum in India, or the majority of the population of Africa. Who is to say they're mistaken?
We need to change government? Good. Presumably you not only vote, but you also campaign tirelessly for candidates who support your views and contribute to them.
You want to change the banks? Each and every one of them?? Well, in addition to materially supporting political candidates who also want to change them; your deposits should go into your local credit union or into one of the state or local banks in your area; ideally one that reinvests in your community via its loan policies. Presumably you also belong to organizations attempting to change banking rules and regulations more to your liking.
Corporations? Presumably you are educated about them, ideally through reading their statements and reports and the financial/economic news. Even better, presumably you own at least a couple of shares in them so that you have some hope of modifying their policies. If you find any that are truly heinous, presumably you organize boycotts of their products and publicize through the media the nasty things they are doing.
I mean, Pluto isn't going to somehow magically make these transformations for us. They take real people undertaking real actions. It doesn't take people sitting back criticizing nameless, faceless, generic villains straight out of a melodrama. Real people put their lives on the line in the Arab Spring! And some of them paid the ultimate price.
As Ghandi put it, "Be the change you want to see in the world."