If you are rich you could have done your part. It is really easy. All you have to do is read some books and then start a fintech (expected budget: 20 million US

If you are rich you could have done your part. It is really easy. All you have to do is read some books and then start a fintech (expected budget: 20 million USD, less if you can find a cooperating banking partner) and then all the things you complain about will disappear and you will even earn money in the process. I am dead serious.