How to make the financial system work for society, and not against it, to be the basis of stability, and not a source of problems? Should the government interfere in the functioning of banks, courts and educational institutions? What is the reason for the weakening financial and political influence of the West in the world? These issues are of acute concern not only to the Western world. According to British historian Niall Ferguson, the main problem is the degeneration of civil institutions. Only a return from the rule of law to the rule of law, the rejection of excessive regulation and the concern of citizens can change the course of events and prevent the seemingly inevitable collapse.