I totally agree with you about conspiracies. In addition to the ones you mention, I'm sure there are more in the making.
The reason people like to debunk and scoff at conspiracies is because it makes them feel insecure because there is nothing they can do about it. Also, ridicule and discrediting somebody is a weapon to keep others from buying into any such conspiracy.
I also agree that it is far more likely that powerful persons could be involved in conspiracies as they have the resources to do so. The poor 9 to 5 guy does not have these resources.
So, I disagree with the opinion that people who believe in conspiracies are "uneducated". However, since there is nothing I can do about these things, I won't lose sleep over it.