Ok. So, after giving it a lot of thought, and hashing out my ideas with Gemini, this is how I would fix our society, top to bottom if I had the power and capability to do so.

Financial Reform

• No more income tax - IRS dissolved
• High sales tax in general, with NO TAX on food staples (any natural, low-preservative foods without artificial colors and dyes, HFCS, and other low quality ingredients)
• Equivalent tarrifs will also be combined to prevent foreign goods from bypassing sales tax.
• Digital activation registry for durable/high-value goods (electronics, luxury items) to prove sales tax was paid and prevent black-market smuggling across state lines.
• High property taxes on non-primary residences (primary residences < $10 Million exempt, and active farmland exempt)
• High land tax is paused for developers who have pre-sold units on the land they are developing, and are hitting reasonable construction targets. These units must be sold as Fee-Simple Condominiums (Ground Leases are banned) to ensure citizens actually own the land and build equity.
• Banking system will be overhauled
  • Banks will receive 0% interest on reserves from the FED, and to keep them from blowing up the economy all at once, we start them with a 15% reserve requirement, which decreases by 1% each year down to 10% minimum. This can include gold and silver like it does now.
  • Banks will be encouraged to enter a new program.
    • Participating banks will be allowed to take out a 1 year 0% loan from the FED
    • Participating banks will be unable to charge overdraft fees, low balance fees, and yearly fees, and must offer accounts to anyone. If you don't have the money in your account, the transaction is blocked, instead of approved and fined.
    • If a participating bank has an active loan from the FED, their financial situation becomes a matter of public record, and they will have a FED agent review any financial transfers to avoid looting a sinking ship
    • If a participating bank is unable to resolve their loan after 1 year, it will gain a 25% interest rate until the loan is resolved or the bank is dissolved.
    • Participating banks will offer a new special secured loan aimed at houses, but which can apply to any secured debt.
      The loan will be for 100% of the asset at whatever rate the bank decides for a term of 30 years.
      10% of the value of the asset must be put down to be the fractional reserve.
      If the loan is paid off early (including for a refinance) a portion of the fractional reserve will be returned to the debtor, based on a linear scale from 100% at day 1 to 0% at the end of the 30 year loan.
      If the debtor defaults on the loan, then the fractional reserve is forfeited to the bank, and the asset is sold as usual. Any excess equity in the home is returned to the debtor, any loss is suffered by the bank.
• Publicly traded companies will be incentivized for long-term growth.
  • Share voting is multiplied by how long you hold the share, < 1 year = 0 share votes, 1-4 years = 1 vote per share, 5-9 = 2 votes per share, and 10+ = 3 votes per share
  • 80% of executive compensation must be held for 5 years
  • Hedge and Mutual funds that purchase shares on behalf of others must pass voting rights onto the investors. Voting will use the lesser of how long the hedge or mutual fund has held the stock and how long the investor has had stock in the hedge or mutual fund.
  • Startup Exemption: To protect venture capital and tech innovation, executive lockups and voting multipliers only apply once a company reaches a $1B valuation or goes public.
  • Reporting changed from every 3 months to every 6 months.
• Regional monopolies (Hospitals, ISPs, etc) are treated like regular monopolies with anti-trust reform applying
• Focus on common carriage infrastrucutre with corporate "providers" (Like UTOPIA fiber) in most areas
• As the government reaches a surplus from its utility and transit infrastructure, all excess funds will be distributed to the aging population as an Infrastructure Dividend (Universal Elder Pension) to replace Social Security.

Energy

• Nuclear mandate - We rollout Small Modular Reactors nationwide to solve our energy crisis once and for all
• Single use plastics are treated like Lead and Asbestos
• We focus on Aluminum and Glass and bio-plastics where necessary, which can all be recycled with near 100% efficiency (particularly with the nuclear energy we'll have)
• Also use nuclear power to desalinate and distribute water to solve water scarcity issues.
• Also use nuclear power to power AI

Education

• Student loans are interest free while pursuing a degree, and 100% forgiven upon graduation.
• Dropouts retain low-interest 1-2% interest debt. Retakes and completion of degrees are encouraged.
• Degrees will only be eligible for loan forgiveness if they are under a reasonable amount, limited by the expected increase in salary over a 10 year period.

Health

• Every citizen receives $4000 (or so) annually that they are allowed to spend on medical and healthcare (like an HSA)
• Unspent funds are kept, tax free at the end of the year by the citizen.
• If you spend all the $4000, your remaining healthcare needs are covered by the government.
• Hospitals are required to provide a full list of services and their costs to keep care reasonably affordable
• Emergency services will be regulated as per regional monopolies, since customers have no choice during an emergency
• Strict limits on the government backstop for terminal palliative care (where 80% of lifetime healthcare costs occur) paired with expanded "Right to Die" frameworks to prevent national bankruptcy.
• All water flouridated
• $4000 dependent on vaccine compliance, regular checkups, and dental checkups (i.e. Health strongly encouraged, but not required)

Transit

• With nuclear power everywhere, we can also power low-cost high speed trains between cities across the nation.
• Government owned rails, corporate owned trains that compete for "on-time" contracts
• Light rail and commuter trains that focus on inward flow in the morning and outward flow in the evening
• AI powered timing to reduce waiting in general
• All last mile streetcars and busses have:
  • Traffic priority
  • "Handshake" with parent rails (i.e. their goal is to arrive at the rail station before the associated train arrives, and after the associated train leaves, providing 100% transfer of passengers as quickly as possible)
  • High density housing will be allowed within half a mile of transit stops, regardless of local laws and restrictions.
• High taxes on gas/oil, personal cars in urban areas

Technology

• Global communication platform
  • End to end encrypted, decentralized
  • Infrastructure supported (but works without infrastructure, peer to peer, albeit somewhat less efficiently)
  • Discord-like, but servers and groups are owned and managed by their creators and supported by their participants and ISP infrastructure (blindly. ISPs can't see group messages without being a part of the group)
• Locally owned and operated AI models
• All government funded infrastructure and architecture must use open-source technology and open-weight AI for transparency
• Right to repair and massive penalties for planned hardware obsolesence
• Farming equipment will be incentiviced to transition to nuclear synthesized hydrogen
• Massive federal push for domestic semiconductor fabrication and rare earth mining to secure the physical supply chain for AI and SMRs against foreign embargoes.

Politics

• Ranked Choice Voting
• Open-weight AI redistricting to avoid gerrymandering
• Politician stock trading treated the same as insider trading
• Tie salary to GDP (per capita)
• Lobbying fact checked by the same open AI and is publicly available for citizen view
• Serving in government office precludes you from a job as a paid lobbyist
• Voucher based campaign funding
  • All campaign money goes to a pool, and citizens can pre-vote a portion of the money to the candidate of their choice
  • Big corporate donations no longer go to backing their candidate, but they go towards the pool that goes where citizens choose
  • This also allows people to campaign for notoriety, for future elections, even if they don't "win" they can get their name out there so they'll get more funding next time.
• AI or machine learning models for gerrymandering and lobbying fact checking will be chosen based on popular vote (and must be open models so their choices can be independently verified.)

Crime and Punishment

• Decriminalize drug use
• Mandatory rehab for drug users in prison
• Agricultural surplus food for prisoners
• Online degree programs offered during incarceration.
• In-prison job opportunities (Remote jobs or jobs that can be performed safely by inmates, like e-waste sorting on secure intranets)
• Upon release, ex-convicts face a small, fixed wage garnishment ("Debt to Society" tax) until the state is reimbursed for the cost of their degree and rehab.
• Exponential sentences for repeat offenders.