Fair enough, it is complex. But in my opinion each person should take responsibility for themselves (and as a parent... for their children) . Finding 'deeper' solutions to millenia long challenges is an admiral endeavour but I believe unrealistic. Once one delegates responsibility to 'others', be it the State or any other 'formal' institute one is at their mercy to do the right thing.
The 'hardcore' solution you (I assume) tongue in cheek propose at the end would be better served for bankers and central banks who push their agenda regardless of the consequences of the poison pill they push to the small person sitting the other side of the desk. Since the establishment of the Federal Reserve in the early 20th century the strategy for power and control has been debt ....