Unknown to you maybe, not unknown by bankers or bureaucrats. These systems have evolved over a very long period, with that comes mostly good but definitely som

Unknown to you maybe, not unknown by bankers or bureaucrats. These systems have evolved over a very long period, with that comes mostly good but definitely some inefficiency which is periodically cleaned out when stimulus reach a breaking point. I wouldn't be so quick to dismiss the current system, it's on balance been a good system - doesn't mean it can't be improved of course but I think improvement should be the name of the game rather than wholesale rejection just because you don't understand why it is the way it is.