Oh yes sure. The current system could also work without all the current issues... But who of the parties that control or profit from it now would want a change? Why give up control? Why renounce fees?

To change it, at least one competing system is required to put the pressure the current system. It will not change from the inside.

That is the best argument so far. The money system is a monopoly and competition fosters innovation. The problem is that cryptocurrencies are bad competitors.