If we copy nature, we'll be ok.
Nature doesn't present any barrier to entry. Nature is an "open" competition -- you bring any rig you want to the race.
That's how our money should be. Open competition is what will keep our money honest and stable. Always cracks me up when people say "money is so important that we have to exert a monopoly over it" -- because monopoly is what will guarantee that it will be pimped into oblivion.