The real cause of our financial crises is related to the fact that our financial systems are staunchly held oligarchies in violation of the most rudimentary principles of freedom. And without real freedom, curtailed by paradoxical rules to establish humanitarian gameplay compatible with evolution, no system can renew the gating merit that lays within.
Hence, our current systems feign meritocratic wealth redistribution while being completely detached from evolutionary prowess. They are non-renewable and after initial conception become increasingly incompatible with the assets to which finance applies, eventually forming a direct attack on the excellence and longevity of humanity.
Any distribution of merit not commensurate with evolutionary merit, pre-determined by the gameplay of nature, is a grandiose humanitarian fallacy causing an anthropogenic cascade. Such a systemic denial of freedom is not paused by if but when the bottom will fall out of finance again, the repetitions of crises steadily increasing.
We can improve the workings of finance by forcing it to adhere to the principles of nature, as all manmade systems must, to maximize the regenerative nature of the assets, people, to which finance is applied. We must adjust human gameplay currently held hostage by finance eleven times the size of production. And thanks to my discovery of how nature deploys merit, we now can.