> Market-focused rhetoric over the past decades has made it tempting to think we can just allocate payments the right way to accomplish what we want. This is one case where that fails. Instead, we need leadership.

No, we don't. We need a system at rewards good behaviour and punishes bad. The market solution is really the best. A solution bound on a single leader vanishes as soon as the leader goes.

> It matters who we elect.

Things were bad during Obama's reign, as they were under Trump. Biden won't bring change, unless systemic change will be implemented.