The writer correctly identifies the issue as a failure of policy, not markets, so comments that markets are working seem to miss the point.

At a policy level, we are largely powerless to effect any change, simply because the numbers at stake are so huge ($8T US mortgage market, $40T global trade, $80T investment assets) and the control of these so concentrated.

But the flip side is that the Fintech opportunity is so huge, because it can exploit the same economics. Grab the opportunity to build services that offer simple value. Create transparency, empowerment, sharing... and you can do good.