Those are reasonable reforms, but they don’t penetrate to the core of the core problem (finance/money) with the new applied idea/concept, thus they will be gamed and their benefits quickly nulled. Historically, new applied ideas/paradigms permanently change the area(s) they affect…at least until such new concept developes anomalies and the process repeats. Sorry, I do not get palliative reformist thinking when analyzing paradigmatically is the real solution.