I really appreciate your thoughtful clarification.
Both of the proposals you mention are valuable and would do a lot to improve politics, narrow as they are. It would be great if there were an identifiable group clearly advocating for those approaches, whether within or outside existing party lines.
I do see specific suggestions from moderates. A lot of them have to do with campaign finance reform. Others have to do with alternate voting systems, like ranked choice. Ranked choice can be advantageous to extreme parties, of course, but they also make 2-3 more self-aware middle parties possible because they can stay in power as the #2 or #3 choice without having to engage in tug-of-war.
I agree that personal wealth is an unfortunate limitation to anyone seeking to run as whatever is in vogue D or R. I only mentioned Ross Perot to remind you of a well-known independent candidate. The 90s were a long time ago, yes!