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It kind of sounds like we need a different money system?

I like Holochain as they don't maintain a global ledger. Here is some reasoning why: https://www.wired.com/2014/07/document-coin/

and whose better at designing systems than you and me?

We may do better than the bankers who like to design fragile systems as long as they can make boatloads of money :)

Unless you're an expert at designing systems as complicated as the entire economy, maybe a lot of people.

because they're doing such a good job?

They don't have to be doing a perfect job for you to be able to do a worse one...