I think there is some truth in all of your statements, but perhaps the one that comes closet, for me, is the last. I don't know that Irving believed that "the majority" of the world was corrupt, but he was certainly seeing it as an ever increasing problem. Tom is not all, then, but many. Here is a quote that reflects the problem of wealth vs. poverty: "Tom was a "universal friend of the needy," even though "In proportion to the distress of the applicant was the hardness of his terms."
It is a theme Irving has dealt with before. As America grew, he personally became bewlidered by the destructive rapidity of change in American life, and not for the better. Slavery, greed, and American abundance not equally shared are themes you can find in almost all of Irving's narratives.
(Unfortunately, greed has only grown since Irving's time, a preying on the poor commonplace. Just yesterday I saw an ad offering to "put $1000-$5000" in your bank account at an interest rate of 99.25%!)