Any economy must allocate its resources efficiently. While markets are pricing stuff with this goal in mind. Thereby finding a balance between optimization (more production, more innovation, negative side effects...) and buffers for security.

I think the fiat system pushed us two far into the first. Nobody has 3 months of expenses or rent saved up (=no buffer), many people even credit card debt. But even worse: on a system level buffers do not exist. If you save 3 months of rent you would be giving your bank a credit and uses it for investments. There is no f*ing buffer.

A popular story about 2008 is Warren Buffett giving money to Goldman which helped catch the downward spiral. But this is technically a lie. Warren "savings" were treasuries as well that got dumped on the market. There is no real buffer - at most a psychological one

I think we would live in a better, more resilient world if we had a monetary system that allows for true buffers that can be filled and used up to absorb shocks.