Not to say I dislike being compared to folks like Deleuze, but I'm speaking at a much more fundamental level than that. I mean to say, I don't believe free will is likely, and while I acknowledge random exists and therefore no predictions are perfect, one can trace some high level directionality and assign rough probability to things. In other words, without free will, or even with limited free will, but with randomization, the world will have repeating patterns that rhyme, but will not be exactly the same.
I'm not a techno-utopian, although I hope they turn out to be right. Nor am I a SHTF gold nut with 10 years of food buried in the backyard; I hope they turn out wrong. I'm not a Marxist. I find materialism to be more probable than not, given the data we have and assuming our senses are producing useful data. Instead I'm much closer to "the watcher" - an entity that is watching without interference -- I care but realizing history is its own force. I'm also rather on the absurdist side, so I realize what I think is important, such as the survival of the species, is just a personal preference, not a universal moral good.
I don't think the problems you're raising are unique to capitalism. ... I don't think we can get away from capitalism because people like owning shit.
What you say about capitalism may be true. We, like deer, may just populate and consume as much as possible during the good times and starve off after a hard winter. There may be no system to solve this. Since we have no hunters culling our herd, it might be our fate regardless of the system, to choose to cull ourselves rather than control ourselves in the good times. History does lend credence to this view. But for any *ism to turn out well in the long run, it must solve these sorts of problems. Problems like slowing growth creates wars that may end civilization. Otherwise, at some point, a situation will arise that our existing system cannot handle and then as the saying goes, WW4 will be fought with sticks and stones.
When will this issue come up? This year? 10,000 years from now? I know not. All I can do is watch and hope my predictions are wrong. You, the incrementalist worker are the theoretical hope to be had, regardless of vision. You might push into a Bernie Sanders style world or a Ron Paul style world or a Satoshi Nakamoto style world. Pushing your view is what you do. All I do is compile views and point out long term probabilities. I may have a preference, but my intent is to never push it, as in reality any system, even one I dislike, that is long term stable will do. In any case, I'm interested to see if the current system can be patched and maintained to give time, in the hopes a long term system can be found. If not, it's been a nice place while it lasts.
As a personal aside, I wrote this over detailed reply because I appreciate your tendency towards thoughtful argument, to say nothing of your love for a great Sega Saturn shmup. May it be of some use. Hopefully I've convinced you of my effort towards a lack of political position, but rather just the descriptive language of system states and the likely outcome of that system. If you go back and re-read my description of banking, my point was in 2008 money creation as a whole was at threat and thus the bailouts were reasonable, yet regulating 2008 institutions has not fix many of the problems. I'll try to explain that second bit with some more detail...
The fact is since the 1950s we moved away from breaking up or preventing mergers of large businesses. This made some of these super banks. Breaking these banks up might be the sort of regulation you might want. Instead we regulate the existing institutions, which creates outcomes you don't want, ala too big to fail. If reports like this one are to be believed, the regulation also doesn't stop the behavior you want to stop. Instead the Fed just reacts faster now to keep things from tipping over.
Post 2008 has killed off even more small banks, due to regulations. In the past ~10ish years 1 million small companies were not started compared to past history, partly due to these regulations keeping small banks from existing. Having worked in regulated healthcare, I can tell you regulations made insurance more expensive because "we're the phone company" becomes part of the corporate culture. About 10 years back I heard it cost ~60 million just to start offering healthcare in a new state--to get past regulations, not capital to start/run the company. That keeps big players big and small players never enter the market.
Regulate them so they can't collapse the economy.
Regulations can be helpful, but it is the outcomes that a systems of regulations generate that matter more. So I suggest moving away from generic language like regulations and move towards language like the style of regulation to generate the style of outcomes you wish to see (e.g. Regulate number of states a institution is allowed to work in to keep from getting to big, regulate what products an institution is allowed to offer to keep from mixing speculating with savings accounts, regulated what collateral a institution must have so if things go bad they can pay their debts, etc.).
The Defi people suggest that becoming competitors to the super-banks will generate a system with more competition and many more small institutions. Lots of small banks means no "too big to fail." This seems like what you would want. The Defi folks believe they can do it by bypassing the existing regulations that existing super-banks have setup to keep smaller players out. I'm not advocating for Defi, nor am I sure that what they claim is true, but understand that one view of this is the existing powers (banks) want to keep their regulation-based power and profits to themselves. If you are to disagree with the Defi people, it has to either be because they are lying about how they will work, the premise/system I described is inaccurate/incomplete or because your requirements are more specific than you've said.
Hopefully that clears up what I'm trying to describe. I don't know if the defi people are right, but to say your financial system is healthy post 2008 is very much wrong, and therefore I doubt "regulations" are specific enough of an answer to generate the outcome you want.