You definitely make good points and I agree the cut corners are a big issue. However I'm under the impression that there are ledgers that are meticulously kept which track all balances, debt, and cash issuance which need to balance out at every level (from the Gov/Fed to small banks); otherwise the institution would fall.

Why do I trust it? Because it continues to work, can it fail? Sure, but there is little incentive for those in power to mess around as it would jeopardize the system.

> The money that never exists in any form other than on some computers

I'm not going to get into how money works - but your statement could be said about crypto, it only exists on some computer right? Just because it never existed before doesn't mean it won't have utility.

I think the legal system is the real place to fix things - there are certain mechanisms which influence how wealth works its way through the system. At the moment its misbalanced. It has little to do with the USD (well I benefit from USD, perhaps little countries elsewhere have a gripe with it).