> Who is 'we' that should come up with the plan? Government? Most westerners don't like government planning - your own post considers government involvement as a downside.
I think an even broader we was implied, that of human civilization as a whole.
Right now, collectively we are optimizing for return on capital on a sliding scale, those who have the most capital get the highest returns (or if not a higher return, then lower risk for the same return).
Over longer time frames we see the pattern failing periodically when inequality gets too severe resulting in societal breakdown in the form of wars or revolutions that end up redistributing assets through various means, including less direct ones like increased labor costs, no matter who "wins".
I think an even broader we was implied, that of human civilization as a whole.