A new system can only be born from the ashes of the previous one, banks and the people behind them are never going to give up their privileges no matter what happens, and they are willing to bring the whole economy down if need be, the only thing we can hope for is that once there is a reboot those at the top realize what happened and they decide to make a change, but if I am perfectly honest with you I am not confident that this will happen and most likely nothing will change even under those very difficult circumstances.
Which is why bigger banks are buying out the smaller ones because they know if a smaller bank goes bankrupt people will lose trust in the system. They will also not move to one bank but get lost in the process. Some will go here, others there, some will keep their money under the mattress, some will buy bitcoin, and some will commit suicide after losing their savings.
It's better for a big bank to take them all under its wing, but how long can they keep doing it? At some point a bigger bank will go bust and there won't be anyone big enough to buy it out, so the government will print money to help them, taxing the whole society (because inflation is the tax we all pay) and making the people pay for bank's mistakes.
If you think it won't happen, just check how much the US printed while the FED was hiking rates.
The rates going up don't mean the printer isn't working. Now there are some ideological difficulties with the money printer, because Congress cannot agree on another increase in the national debt limit. It seems the most realistic solution to this problem today is to take advantage of a loophole in the current legislation, according to which the US Treasury can mint platinum coins of any denomination and
mint a one trillion dollar platinum coin.
At this point, if any of the other solutions, the so-called more serious solutions would work, then they would've been used by now. But they keep not actually being strong enough. The coin's the only one that's strong enough.
LOL