You are right, in that it has to be an organic process of society working towards what is healthy.

What we have to come to terms with, is that when it's millions of people, or simply just lots of people, the function of emergence makes it an organism on a larger scale.

So governments, as the executive and regulatory function, emerge as a social central nervous system, while money and banking emerge as blood and the circulation system.

Since they originate as individual initiatives, of people filling needs and taking on roles and responsibilities, they start as forms of private enterprise, but as they serve that larger social function and are not just cycles of cells rising and falling, they eventually become public utilities.

We now are in that interregnum between governments largely coming to be seen as public, while the banking system remains largely private.

Which tilts the advantage to the banks, as individual politicians can only plan around election cycles and banks can gain control over the regulatory functions as well as the politicians.

Since the function of banks is economic growth, rather than seeking out the higher order functions required of judgement/nervous systems, society descends to simple metastatic growth, a form of bacteria, or a cancer that has no larger purpose than multiplying.

Eventually humanity might itself evolve to be the central nervous system of a planetary organism. Keeping in mind the function of the nervous system is the health of the larger organism, not just feeding its own obsessions and desires.

Safe to say, that's a long ways off.