It turns out that it's all a system built and operated by humans. It's easy to lose sight of that being born into the world in media res so to speak; there's pl

It turns out that it's all a system built and operated by humans. It's easy to lose sight of that being born into the world in media res so to speak; there's plenty of path dependence, and to give the economists at least a little credit, some seemingly innate human behavioral factors, but fundamentally it's all a built-up system, and it could have been and could be built differently.