I'd diagnose the problem similarly to the person you replied to and I don't think I'd feel compelled to offer a specific remedy either.
People have been experimenting with economies and societies for thousands of years and we are in a relatively new money/power/control stuck spot right now. I'm sure there's been a system in history that would work much better than what we've got, but I just read recreationally so I dunno what it is and just because something worked 1000 years ago in North America doesn't mean it'll work here today. I wouldn't mind giving something new a shot though, what we have is not working for most people.