What would the phrasing of this discussion be in the proper term of art?
My question presupposes two assertions - humans are getting smarter, and the man-made socio-economic structures are not adapting with the same complexity/sophistication as man himself. Within these assertions is the core assertion that evolution is a biological and socially driven phenomenon which is rapidly modifying our genome.
So the "Banking System" is a design of man, but it became so powerful and with such a relentless and generational legacy that man has now outgrown it.
We would outgrow these power structures on a cyclical basis, though with the invention of the Internet we can learn from each other and our historical mistakes at exponentially increased rates.
I'm sure there is a whole field devoted to this, what would it be?