I think one of the main problems is that societies have become much more risk averse. We want to fix our interest rates, fix our electricity prices, fix food prices, fix resource prices, etc. A we (not just consumers, but businesses and banks) are willing to pay others a premium to take on that risk for us. As a result there's a small group of people getting very rich accepting other people's risk.
And then when the shit hits the fan and this group needs to pay out, it turns out they either spent it all, underestimated the risks or invested the money in other things that turned out to be just as risky.
I'm not sure what you can do about this though, since being able to insure against risks has advantages for society as a whole, but the risks need to be carried by someone somewhere. Who can we trust to do that? Not all risks cancel out.