I agree with you. The problem with that idea in practice is that most people don't have the luxury of sitting around wondering about how to innovate the economy. They are dead tired from working so hard. Under Maslow's hierarchy of needs, they are barely satisfying the safety needs. I believe this is a planned feature of capitalism. Keep people desperate and exhausted, and they won't even notice how badly they are being exploited, let alone plan to counter that exploitation.