The perfect solution would be to ban government from money and finance.  After the Enlightenment, there have been bans against government from torturing people for confession, searching homes without a warrant, and engaging in for-profit business.  The idea was to avoid concentration of power and the perverse incentives for those with the power.

State-free money and finance was more or less in effect during the Italian Renaissance and Scottish "free banking" era in the 18th century, for one accidental reason or another.  Both economic growth and financial stability were spectacular.

I agree that, if we don't get to the root of the problem, we would just be shifting the flaws from one place to another.  That's why I'm not with those who blame everything on bankers, or who blame everything on the government.  Nothing has really changed, ultimately, because the public are still gullible enough to hand monetary and financial power to the state.

I also wouldn't call today's system 'betterment through evolution,' assuming that's how you see it.  I'm not naive enough to think that it's possible to have a system where the elites must fully earn their power and wealth.  But this modern system gives constant incentives to the elites to destabilize their own system, and the entire fiber of society along with it.  In the old days, you might have plundered and murdered your way to the throne, but once there, you generally wanted order and justice to prevail.  Today's system is a fundamentally different beast.