Capitalism creates an environment where both positive and negative traits can be materialized. Everyone agrees that altruism is better than selfishness in moral sense. However one must be quite civilized and have high quality of life and standard of living to exercise altruism. Those whose individual demands are not met simply cannot afford altruism. A financial system aimed at rewarding those who think of others (surprise!) exists right now. Those who have extra money, time or other resources can invest them in those who are in need through loans, grants and scholarships. I'm sure any innovative ideas in this area would be accepted by the HN community and society in general. This proves that the current society/economy is open for a change toward a more altruism-encouraging system.

Western society and morality is based on the relative tolerance to innate human desires and wishes in contrast to other cultures. That's why it has created a financial system that made the countries that chose it developed.

"Males have a desire to procreate, but rape is forbidden. We have a desire to promote the success of those with our genes, but discrimination is forbidden."

Morality restricts certain ways in which a human can fulfill their needs. However rape is not the only way to procreate and discrimination has very little to do with promoting the success of one's genes. Today's social and financial system is successful among other factors because it provides equal and legitimate ways to have sex or multiply for everyone.

We are at crossroads, we have opportunity to choose the way financial system would look like in the future and that's why it is especially important to understand why the current financial system is successful. It is, despite difficulties, which, for example led only to a 2% drop in US GDP growth rate in 2008 compared to 2005. The GDP is still increasing! You can have look at http://www.data360.org/dsg.aspx?Data_Set_Group_Id=353&co... (US GDP statistics) to see how stable economy is. These disturbances are annoying, but their impact on lifestyle is minor.

"Imagine saying, "You're so greedy!" Now imagine saying, "You're so giving!" It's a totally different feeling. Imagine a society that promotes the giving over promoting the greedy."

What does this have to do with the initial argument? Could you please point out where I disagreed with this?