Any system that has flaws is eventually going to be gamed by those for self-interest at the expense of the overall system. It is why systems need to be constantly reformed and evolved - because no system is flawless.

You are absolutely correct that this is the problem with our current governments and bankers. Our systems are being heavily gamed by those in power now and our systems have not been significantly reformed or evolved in a long time. It still amazes me that in most countries we are using an archaic paper based electoral system that is hundreds of years old, when the rest of the business world and broader society is using the latest computer and communication technologies.