Bitcoin hyperinflation during the early period is part of the design? It gave incentive to people invest money into the network and asset.
Many of those addresses are known addresses of exchanges, yes it's a problem that everyone puts money into the exchanges. However that is changing, new decentralized exchanges, atomic swap technologies already exist for people to move away from centralized exchanges. The industry has come a long way and still has further to go. Also the "regulated" banks that you speak of, plunged the world into the financial crisis and got away with it no harm. These "regulated" are constantly caught break multiple laws and manipulating markets.
https://en.wikipedia.org/wiki/Libor_scandal https://www.telegraph.co.uk/business/2017/12/11/hsbc-spared-... http://www.cityam.com/269831/goldman-sachs-hit-52m-fine-shor... https://www.bloomberg.com/news/articles/2018-05-01/goldman-s...