I agree, we need a replacement. At the protocol level I would like life insurance policy returns and banking service as a place to store my money that allows me

I agree, we need a replacement. At the protocol level I would like life insurance policy returns and banking service as a place to store my money that allows me to pay any portion of currency I want at any time. So Facebook can be paid for the time I'm on the site, for instance. The returns from the insurance contract might even make it all free to me (it would, easily). Everyone is happy except those who rely on reaching you via forced advertisements. Oh, and the people who rely on enslaving others. Any such protocol would be labeled as evil, filthy socialism.