It's like asking why nurses think they know more about hospital processes when management is making bad decisions that doesn't solve real problems. I wish you are right though.

Unless all of those programmers work for financial institutions I don't see how that analogy follows

It's more like asking why patients think they know more about hospital processes when management is making (perceived) bad decisions that don't solve real problems

We are users of the service, not people who work within the financial system

I am legitimately curious in any alternative that is not business as usual. Doesn't have to be crypto! Just name it.

See I don't work in finance, and I'm not afraid to say that I actually don't know what is best. I think other people could take that avenue as well

Because if the fed wrote software it wouldn't stay in business for long.

I wonder how long a financial system would stay running if the programmers took over, probably about the same

We don't have to wonder. DAO, FTX, Genesis, Three Arrows, BlockFi, Celsius, etc.