Of course we can improve it - by identifying where people’s behaviors and systemic effects are causing undesirable behaviors. That probably doesn’t happen if we blame ‘finance’ for it though?

Every system has exploitable loopholes and will become unbalanced once enough people start gaming it. Some of them (especially new ones) are easier than others.

It’s easy to say ‘this is terrible’, but that can easily turn into rejecting a known system with adjustments and corrections for bad behaviors that isn’t perfect into a system that gets gamed even easier by bad actors and turns into an even worse (but different) mess. See 90% of all revolutions ever.