So you agree on point 1 to 3 but common people are all fine? That's hilarious as it's the same Pakistani people who are there in those powerful institutions. We have different Khakis, politicians, judiciary & bureaucracy than rest of the world because of the way majority of our common people are unfortunately. Not just in these 4 institutions, they are everywhere - all govt offices, businesses, traders, police, lawyers, customs, retailers, service providers, mechanics, doctors, molvis, pir, murshid; name any profession and you'll see majority of people are just like those in powerful positions. It's just a matter of not getting the opportunity, but those who got it are using it for their personal advantage in most cases.
As for yahoodi saazish, well that's the exact mindset that needs to be changed as we are the only country in the world that is merely obsessed about it without doing anything constructive of its own. If you are aware about some better alternate to banking system or paper money then please let the world know.