Yes, I do tend to be quite optimistic but I definitely appreciate the warning you are giving and and not so naive as to think it impossible. I have written many articles on the perils of greed and a sort of cancer-like tendency of investment-driven economics. You are probably more practical but we need some positive over-the-horizon visions too. I just love to think about ways to make the world the wonderful place I believe it was meant to be. I have concluded after much thought that the concept of money is anathema to a natural balance and survival and besides that I can't find an objective value for it, only subjective which I go into detail on here (I enjoy poking the man!): https://medium.datadriveninvestor.com/the-theory-of-monetary-irrelevance-7d5fba50b1bb