There’s no easy or painless solution. The only thing is to allow it to collapse and pick up the pieces and start over, it seems to me.
Plenty of blame to go around but one thing is for sure: the people most responsible for this will suffer the least.
The people most responsible set this course in the sixties and seventies. Many of them are dead.
Which is always the case when it comes to the ruling class i.e. legislators in "public service."