The issue with proposing any kind of radical change to institutions is that first you need an institution that can fulfill the functions of the one you’re replacing. But that’s daunting to build, and not something you can build with any kind of public scrutiny. (So you’d expect the same answer from the person who looks at the problem and says “too hard!” and the person who looks at it and says “doable, but in our fifty-step plan announcing our intentions is step 49 and a half.”)