Forget it¡
In terms of short-termism, and rising inequality, the world’s by far dumbest idea, is the pillar of current bank regulations, namely the credit-risk-weighted capital (equity) requirements for banks.
That regulation allows banks to earn much higher risk adjusted returns on what is perceived as “absolutely safe” than on what is perceived as “risky”, and therefore distort the allocation of bank credit to the real economy.
That regulation, as a consequence, give banks no incentives to finance a naturally more risky future, and all the incentives to refinance a day by day less sturdy past.
And that regulation also blocks equal opportunities, and there is nothing that promotes inequality as much as that.