@ Nick Thorne   Yes, certain reforms are probably necessary and Professor Keen has suggested a modern debt jubilee which I am in complete agreement with, mostly because it perfectly reflects what I would say is the actual solution (monetary gifting directly to the individual) to the actual underlying cause of our economic problems (the fact that the system itself, in its normal and unfettered operation is in a state of disequilibrium/is inherently cost/price inflationary because the rate of flow of total costs/prices always tends to exceed the rate of flow of individual incomes simultaneously produced). What I am saying also however, is that what actually needs to occur is a balancing of Finance’s monopoly on credit…specifically in the area of consumer finance/consumption. Balancing Debt/loans as the only vehicle for financing consumption (other than work for pay which due to innovation and artificial intelligence is acceleratingly and disruptively reducing aggregate actually spendable individual incomes as well) with a continuing gift of income…is necessary for stabilizing and freeing both the individual and the system.  Again, I’m all for reform and regulations that address actual economic vices like rent seeking etc., but those are all merely palliative “solutions” unless we transform and balance the system as per above…FIRST.  My motto: Transformation first! Rational and ethical reform right along with it.