We need to learn from our mistakes. Debt systems have been reliably producing crises for three thousand years. We need to develop more functional means of financing what is needed by society and discourage debt whose primary purpose is just making returns for the lender. I don't think this would be too difficult were the control of the society to be based on secure means that are separated from concentrations of individual wealth.  

"It is not necessary to have hope in order to persevere."