Well why don't we currently do it too then?
Because people vote for what benefits themselves. How many voters would be of the opinion 'A system where I don't have to do this shit job anymore but still get all the things I currently do; fucking sign me up'.
The problem there is, if people could be trusted to make the right decisions, the financial system wouldn't have the problems you seek to solve.
All in all, far too optimistic about this causing people to suddenly develop empathy and altruism, and no accountability for the masses that don't.
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