That's a genuine frustration I've had. I worked on the design/build end of things before 2008, and most of the contractors I worked for/with were fudging their own ledgers, screwing insurance companies over, overcharging clients and banks, and not honoring contracts with subs, leaving them to go bankrupt. I understood that this could not go on perpetually, not because we can't just create more money from scratch (we can, we have, and it's just a confidence game), but the cultural morale is the core of the problem. Collectively, we are not able to create communities, or live in social contracts defined by fairness, without institutional bureaucratic theft.
We will return to a more agrarian arrangement as we've given up on infrastructure, but most of our posterity won't survive long enough to be there.