Government is - at best - an emergent agent with a lot of internal incentives to keep itself going. It does what the people in it want to do. It does what legislation tells it to do modulated by the people interpreting and implementing those statues.
Big Banks and certain Companies and industry advocacy groups spend a lot of money on putting people friendly to them into Government, and that introduced a bias in the collective decision-making process. It should be (and will be eventually) counteracted.
Sure, there are different ways to do something about this, the extreme is of course to abolish the Government, but if you were to think a bit about the consequences and requirements of such a change, you'll see that it's not really the best option.