This is not how logic works. Saying that one system is not working well (which is, again, debatable, see how China and Japan grew in the last 75 years) is not evidence for another system working better. Ultimately you seem to have a naive view of the world and not much understanding of macroeconomics. I will have to point you to a textbook because I cannot explain it all from this level of understanding.
> Look at all of the growth we've achieved, high-five guys!
What information I have from my travels and conversations has lead me to believe that the global market has been more of an exploitative force than an uplifting one, but I'm perhaps a bit too young to have a basis for comparison. I wasn't really aware of these things at a time when I could have a "before" snapshot. I just see the cracks in the "after" one.
- money based on which loans bankers will grant (e.g. the status quo)
- money based on ensuring that people's basic needs are met such that they're able to take on more economic risks with their free time (re: starting businesses and such)
What do you suppose the merits of the former are?
It's not about altruism, it's just about what works best. I think there's a lot of evidence to be found by just looking around that the former isn't working especially well. The only thing holding the latter back is buy-in, and if things continue to deteriorate there will have to come a point where giving it a try makes more sense than continuing to base our money on arbitrary decisions made by people we don't trust.