At the core, I think the issue is that money is being used to do things that it shouldn’t be used for - like creating structures. We as humans will default to efficiency (because we are either “smart” or “lazy” - depending on your subjectation) at a certain population magnitude. In the end some heiarchy or hierophant will have to step in to build structures that money fails to do, hopefully by the time that happens democracy is still a choice.