I think the problems you are talking about are less system specific and more a matter of scale. We evolved to live in tribes of 150 or so people, and instead live in nations of millions, or in many cases, tens of millions or hundreds of millions. And at that scale any sociopolitical system is going to suffer from terrible distortions and breakdowns. The issue with Biden and Trump isn't that one is the right person and the other is wrong. It's that one is right for millions of people and wrong for millions more, and so is the other. And there are millions more for whom they are both wrong.

Likewise, people like Musk benefit from the fact that, at high enough scales, you can add a small amount of value to a large amount of things to make an awful lot of money. And money itself in large enough amounts can be used to generate more money simply by manipulating the system rather than through generating productive value.

But no system you design is going to avoid those sorts of problems at our current scale. Any system complex enough to handle things will also provide opportunities that those running it can exploit. And the very scale means you do need someone running things, because the alternative is anarchy in the sense it's detractors mean, violent chaos leading to endless warfare.