This is not intended as an attack on you, just in case it might sound that way, but: I wish people, when saying that "the market doesn't work for _____" would specify what their definition of "working" is. This is not a trivial issue!

Markets are distributed systems that optimize economies for... the kind of behaviors that succeed in the market (in some respects resembling biological evolution, only less stupid and short-sighted). External forces and constraints on a market change the parameters that get optimized, sometimes in unpredictable ways, and there's no such thing as a market without external constraints warping it.

Most of the time, when someone says "the market doesn't work" what they really mean is "I value parameters A, B, and C, but the market is not optimizing the economy to maximize those", but rarely do they indicate more than obliquely what those parameters might be.

I agree (as do many people) that the current system is pretty terrible. But without specifying what it should be like, it's hard to talk about good ways to fix it.