Nope, we don't. There's quite a few institutions of authority that we don't need, that are nothing more than tools to keep us clueless, unproductive when it comes to what should matter to us, unimaginative, uncooperative with each other, and relatively unhappy. The banks hold everything else in place., and all the shackles are coming off soon. Disruptive technologies, along with radically different ways of thinking many of us are starting to embrace are allowing us to take control of our lives..