There are things that have to change, and one of them is the current banking system.
Free banking, perhaps? Subsequently, the hegemony of cryptos. People would once again have power and control over their assets and savings. Hive is advancing by leaps and bounds, can you imagine it supplanting the current banking system in the future? An answer to credit? We already have a form of savings.
Credit can be decentralized just like insurance. The risk can be spread out.
We also should, as assets are being created, be able to replace credit with collateralization.