Economic systems fail because they are unstable. They are unstable because tokens of value called money increase without a guaranteed increase in value through the payment of interest. The financial system works to contain that risk. In a highly connected world, this proves to be extraordinarily expensive.
There are different ways of addressing the problem. One way is to disconnect parts of the system through self-contained economies. Other ways are more regulations around the creation of money to make it more likely that the tokens created have real value. Banks, regulators and others charged with looking after money come up with many other schemes.
Another way to eliminate risk is to change the way we give investors a return on their money. Instead of giving them interest we give them more money over a longer period. If we do this, we can eliminate financial risk and only worry about real risks such as thieves and cheats and fires and tsunamis.
The value of savings from removing financial risk is the cost of interest. Water Rewards — Information Rich Money and Financing affordable housing are examples.
Financial risk goes because lenders only get back the amount of money paid by borrowers. For example, a borrower gets a loan of $500K, and they promise to pay back $750k over 30 years in equal instalments of $25K each year. Lenders agree they will get back $750K from their loan of $500K in equal payments of $37.5K over 20 years.
The cost of controlling many lenders and buyers with swarm technologies is small compared to the cost of interest.