Hi DONTCRYFORME et. al.
IMHO, the problem with any system in place today,is that it has no basis and that is a sure sign of failure.
The system needs to be built around the answer to a simple question.
"Who does it serve?"
Answer that question honestly and the base is provided.
If it is self serving, it is no better than a Ponzi Scheme.
"We live in interesting times"
Good Luck to all!