My philosophy over the past half a century has been to not get preoccupied studying the trees, for the sake of rather seeing the forest. I even refused to study philosophy for the sake of obtaining as objective a perspective as possible. This approach denied me stardom in any particular field in exchange for some insight about how the whole caboodle fits together, without too much of a bias in any direction.
I say this not for painting a feather in my own cap - the contrary in fact - but for placing in perspective my appreciation for guys like you who, in spite of being specialists, are capable of elevating yourselves above the indoctrination inherent in the training and objectively criticize, at the risk of losing standing in your field.
And from this same perspective, my opinion about the current bundle of knots we have tied ourselves into, if I may dare: scrap the crap and start afresh.
I'm not actually an economist. I began my career as a software engineer with a bank, but I hadn't a clue that there were any questions that I should be asking about money creation back then. I quickly switched my career to become an optical telecoms engineer and then a recruiter. Nowadays, I could probably say that I'm a specialist in employment, as I work in recruitment, have blogged about and worked in the field of human trafficking and severe labour exploitation and point out how the money system creates unemployment and how it can end unemployment within a matter of days.
Fooled me! Anyway, it makes your objectivity easier to understand, with due respect to true professionals, who are not all brainwashed, but seldom dare to speak out from their captive positions.