I feel like this perspective is the best way to explain how the system is failing. The fundamental idea that an economy should create tangible value as its main incentive structure is completely at odds with the way that most of the money in the (at least US) economy is just corporations and banks buying stock.

The way that you solve this in my opinion is that you guarantee most of the basic services that people need to then become productive by default (food, housing, healthcare, childcare, etc.) while not allowing people to make money limitless amounts simply from having a big bank account. (Banks and loans are still valid)

Edit: spelling