This financial system can't be "revamped".  There is a simple reason for this, its monetary inertia.  The flow of money could be compared to weather.  The icecaps have melted, fresh water has changed all the flows over the ocean and the money just cant get to where it needs to go.  I say we're in a financial ice age.

You're brain already has the death thing figured out.  When you die in a dream, you're forced to wake up. That's the end of the story, Finite. There's nothing next and you're forced out of the dream.  I can only assume that's what death is like, only backwards.  The good new is the shocking jolt of terror happens after you wake up and you wont be suffering the chance of a last minute heart attack because you'll already be dead.