Well, the whole point of innovation is to question that "more-or-less works". Without that, we would still be hunter gatherers

And we won't be replacing anything overnight. That would be disastrous to the whole economy. But I really doubt that people who benefit from keeping things the way they are will actually work towards fixing any of them. You are actually asking them give up their incentives for the betterment and I don't think there are enough altruistic people who wanna do that.

Not that I am saying that crypto is any better but we need a strong counter party which questions fundamentals of any belief system (in this case, our current financial system) we have such that they will be forced to innovate otherwise they will go extinct