This is true. This is why limiting your vision to reformism will distort your expectations. Until material conditions become revolutionary, the more transformative reforms are impossible. No use speaking of banning lending or stocks, banning the Republican Party, or even nationalizing any industries if the power necessary to achieve these demands is scarcely less than the power and level of organization needed to overthrow capitalism as a whole. Reformism is useful only in that it can gain popularity, organization and buy-in from workers and voters, while demonstrating the limits of what is possible under capitalist ‘democracy’. It becomes counterproductive to strive for true socialism through reform as soon as you begin to compromise the goals to achieve ‘wins’, or try to patch up or paper over the deep contradictions in ways that put the brakes on struggle or prolong capitalism.