Honestly I think pretty much anyone could build a better financial system, and more people should try. What we have now is the result of centuries of unchecked power. This monetary policy was created by Richard Nixon and then we adopted a Keynesian rationale post facto. It didn't evolve, it was stolen.

If you've got another idea (including moneyless systems) I'm down to try that too, but what we've got right now is pure garbage, and having no out before the modern era doesn't imply that it's good.