Modern world markets are regulated by people who do not produce any value. These people are manipulators of the masses and will win by speculation. For example, the oil market is regulated by individual people by monopolists who are interested in obtaining huge profits. They brake progress in the creation of electric vehicles, because electric vehicles will take profits from them. This is one example.
If the monopolists did not have such power, the world looked different.
The modern banking system also lives only because of ordinary people. They create "beautiful" conditions and call for a loan. They call for a loan in order that you buy yourself an unnecessary thing that is imposed on TV. As a result, you are left with nothing (with a thing you really do not need) and you remain a debtor of the bank. This is a complete slavery.
"It's good that the people do not understand how our banking system works, otherwise tomorrow there would have been a revolution." Henry Ford.
The development of the digital decentralized economy is a step forward.
We need changes. People become smarter and open their eyes to reality. So the answer is obvious - we need changes.