You are neglecting to examine the counter-factual. The current system is abound with perverse incentives and flaws. As to the difficulty of designing a new sy

You are neglecting to examine the counter-factual. The current system is abound with perverse incentives and flaws. As to the difficulty of designing a new system; we have thrown money at a poorly designed system for many years with little success, perhaps a redesign would be worth it.