I never liked those suggestions that advocated the abolition of something without a solution that might work in it's absence. We can all think of things that don't work properly according to ourselves, but as the saying goes- got a better idea?

I many times categorize people into two groups: the "my idea" people and "the idea" people.

"The idea" people take a common solution and ask how to make it better. If you change "the idea", and make "the idea" better- you keep it, and "the idea" morphs into the latest positive change. It matters little if you or someone else came up with the change.

"My idea" people want to solve a problem with an answer they themselves came up with regardless if that solution is better or worse than the previous "idea".

You don't like insurance and money? What are people on this planet going to use in it's place?

As I'm sure you heard- it's a horrible system with glaring issues and it's the worst we have seen- except for every other system.