I won’t dispute a lot of what you’re saying, but cynicism is the intellectual disease of modernity, I prefer Antonio Gramsci’s advice: “Pessimism of the mind, optimism of the will.”

Historically speaking, paradigm changes are permanent progressive phenomena, and everything short of that is either a palliative or a dodge. The only human phenomenon above a paradigm change is a new zeitgeist/ethic of the age, and the current zeitgeist which has been a problem since humanity became self aware and hence aware of the reality of ethics at all is Power, Profit and Control. The beneficial effects of every historical paradigm change have always been an aspect or aspects of the natural philosophical concept of grace as in the active expression of love, i.e. graciousness. Monetary Grace as in Gifting is an aspect of the natural philosophical concept of grace and of course love/loving is the ultimate ethic. So integrating Gifting into the economy and the money system at the point of retail sale (which everyone must and does participate in) is logically the next and most powerful self actualizing step we can take toward a new zeitgeist of Grace as in Redeemed/Redemptive Power, Profit and Control.