There are lot of people incentivized to keep things one way or the other. They aren't all big people. Presumably no one wants to see the system crash. But if ea

There are lot of people incentivized to keep things one way or the other. They aren't all big people. Presumably no one wants to see the system crash. But if each person can cheat just a little, well, it's everyone else's fault in their minds. The power elite conspiracy model in my mind is too simple and doesn't fully explain the phenomenon. Because instability isn't good for anyone so I belive it's much more complex and systemic rather than a planned conspiracy of a group of individuals. Systemic change is inevitable I think. Sometimes it involves a hard reboot or re-install though and no one in their right mind wants that. So maybe some things in the system can be fixed to restore balance. But first we need an accurate model of what is going on, and as loathsome as bankers and insurance CEOs might be, this isn't all their doing and they aren't the only ones preventing the fix.