“Crises are when change happens.”

Correct. But if we analyze and act on the operant applied concept/paradigmatic level we’ll have deep and lasting change…unlike reforms which are shallow by comparison and get morphed into something that private finance just exploits again. And reforms that align can run concurrently of course, but we’ve reached the point where we must act paradigmatically/terminatedly. Please can we communicate about this. You have my email address. I’m constantly revising my book and its policies and regulations. I have always respected your efforts and research, but I fear we’re losing precious time.