Agreed, getting money right is important, because it is key to a lot of our incentive structures. However, human nature remains the same, good money or bad.

I think the best shot we have at a solution is community. Community helps you establish a home. Community cares for you when you get old. Community enforces social mores that nudge us towards virtue.

As we strive to build better communities, using good money will certainly be a significant piece of that, but I think mutual charity and concern for the common good are deeper.