Whenever any business or organization is in trouble, look to the leadership, or lack of leadership, for the cause. If along the way you want to correct the problem, look to your front line workers for the solution. Remember, the people closest to the problem always know the solution that will work the best. Now, figure out what you can do locally, to start the process of making your utopia a reality, and go do that. If I have learned nothing else, I have learned that one person can truly change the world.
Money is a tool, nothing more.
It is when we invest our emotional energy into money that we strip it of its ability to function as a tool. If, as a carpenter, you fell in love with your hammer and never used it, the hammer could never produce anything for you. The same is true for your money as well. Self-esteem, love, happiness, satisfaction, pride, confidence, peace of mind, and optimism are all internal functions. Your vision will become your reality, so it makes sense to work on and define your vision.