Really free markets do exist and have existed in many times and places, and they work really well. The reason they work well is because they have the proper in

Really free markets do exist and have existed in many times and places, and they work really well. The reason they work well is because they have the proper incentive structure to realize good outcomes (as judged by the participants in the market). The "if only" game is worthwhile because it allows us to see the outcomes of different incentive structures without running costly (and sometimes fatal) social experiments. Our financial system is a wreck; it's time to change tack. If you want to sail with the wind, it helps to know which way it is blowing.