What would you change?

100% agree Graham, especially when you realise that the share and investor markets are the real beneficiaries of our society. If there is anything that Covid has highlighted its that the people who do the least work to earn the most money (investors) come before every other aspect of our society. Consider the controversy around rent strikes and mortgage holidays, it was taken for granted that renters should still have to pay rent, landlords should still have to pay their interest but banks and their shareholders who literally do nothing to create actual physical value were put first by our society. To the point where the govt created a wage subsidy scheme so renters could pay landlords so they could continue to pay banks.

Its time to stop this system of being able to make money simply through the virtue of having money. It should be the other way around. It should be easy to make and save a million dollars, it shouldn't get easier once you have a million dollars to make another million, it should get significantly harder passed that point. Usually this is where large tax on the rich would come into play but the rich have put consented effort in the 80's into lowering their tax rate. They don't want government taxes, so I guess we need to find another market mechanism to make it hard for them to hoard massive wealth they didn't actually work for at the expense of everyone else.