I could be totally wrong here, but I get the sense that despite that being the intent of wall street, that basic concept has been very much abstracted away into

I could be totally wrong here, but I get the sense that despite that being the intent of wall street, that basic concept has been very much abstracted away into a complicated game of mutual insurance and risk management. All I'm saying is that perhaps society would be better off if the resources were allocated a little less efficiently, but those "best minds" were applied to some other field.