I would have a less inspiring and sobering speech for those graduates the article mentions in the first paragraph.

Most of our problems today stem from the fact that we lost the proper cause and effect relationship.

Services, professions that were supposed to serve, and assist human, social functions have become the "cream", the object of desire, basically these institutions are served today by the rest of society.

We do not need to reinvent financial institutions, we need to reinvent a more improved human society, more suited to the conditions of the 21st century, starting with basic human attitude, the relationship in between people, and if we reinvent the foundations all other institutions supposed to serve normal human society would adjust automatically.

Today our society is based on false, illusory values of excessive over consumption where we are urged, tempted into keep on buying products we do not need, without marketing we would not even dream of, for money we do not have. We have become slaves to this social pressure and the institutions serving it and benefiting from it.

Since it is a totally unnatural system now it has become self destructing, threatening even our long term, or not so long term survival in the closed, finite system we exist in.

Thus first of all we have to reinvent normal, natural values, and purposes within human society, build a new structure based on mutual responsibility and mutual consideration, adapting to the global, integral human network of today.

Everything else is secondary.