You could also point out that when the medium enabling markets is privately held, we are all tenant farmers to the banks.

Consider that as a medium, money is similar to other mediums, like roads, air, water, etc.

Government, as executive and regulatory function, is analogous to the nervous system, while money and banking are similar to blood and the circulation system. With public government and private banking, the banks rule, since they have less oversight, don't have to work around election cycles and control the finances of anyone running for office.

So the only real job the flunkies in office have, is running up the public debt the banks need to function.

That is because money is a contract, not a commodity. To store the asset side of the ledger, you need a debt to back it.

The secret sauce of capitalism is public debt backing private wealth.

The fact is, there isn't the investment potential for everyone to save individually and in trying to do so, we have only created an enormous speculative bubble of interlocking wagers.

We do save for many of the same reasons, so forms of public works and public commons would be a logical solution, but that would require people to understand the basis of a healthy society is communal responsibility, with rights as reward. Not rights as ordained and responsibility as optional, as seems to be the situation along most of our political spectrum.