Our financial models?
Why should the financing model of stocks or interest be what is standard for us? It only makes the super-rich richer and richer. We have a forced-growth constraint, and there is less and less money in the middle class, which is why even normally large companies go bankrupt when the economy doesn’t grow.
You could think that fraudsters came up with this to get money and power.
Now one could say, “but this way you can borrow money.” But wouldn’t the middle class have more money without borrowing, and wouldn’t we overall have more possibilities to finance things? We cannot grow forever on a finite planet, and even if we could, it would be wasteful.