At the risk of saying something taboo here, it is the belief among lots of people that the system is totally fine except for one bad mechanism which has polluted everything. This bad mechanism is relative new, historically, as it came about around 150 years ago despite many people like President Andrew Jackson saying, “this is bad and I will stop this.”

That mechanism is printed money untethered from a hard-to-fake backing, aka hard Money. Hard money advocates say that printed money that loses its value over time screws up all kinds of incentives by more easily rewarding bad behavior like political corruption, and punishing good behavior like saving and not investing in things one doesn’t understand deeply.

It shouldn’t be surprising that printed money leads to people getting more reward for positioning themselves closer to the money printer. I don’t think it should be controversial that most of us invest in things we don’t remotely understand, like businesses we are totally unqualified to operate and manage.

But this is, in fact, the kind of opinion that gets you mocked and ridiculed by educated elites.