The problem is will there ever be one day the system works well
Well, unless somebody has a crystal ball, nobody knows. We can speculate, but what will actually happen can only be known once it actually happens

Exactly what I meant, banks/clearing houses suck, that's why Bitcoin was created. And you want to reinvent the wheel by replicating what the banking system has done, good luck with that.
You are like a teenage girl at the Occupy Wall Street - shaking here iPhone in anger and shouting how corporations suck.
Do you have any idea how much your life is better because of banks? And to just dismiss them as "banks suck"? What kind of naive "argument" is that?