And our political systems are making rational choices based on the internal logic of the actors and the information available to them. No direct benefit from a

And our political systems are making rational choices based on the internal logic of the actors and the information available to them. No direct benefit from any of the solutions to 50% of the population so not popular, direct returns to business negligible so little support from the elite. You have to make the effective reforms popular through wider applicability or education or you make it profitable. The first is even less popular with business and conservatives; the second is cheapest and very difficult; the third is nigh on impossible.