Hello
Agreed.
At the same time, it’s just not going to happen. The core issue is that there's too much selfishness in this game.
Money hoarding is bad, but information hoarding is worse. That's something people claim they want to fix, but when it comes down to it, they really don't want to share the information.
Look at it: 20 years in, and nobody can even give you a proper "FCP" all-5-player build.