In most places that are rich in guitar culture, everyone uses their fingers, like in Spain or Africa. In Japan there are string instruments played that way. It is not until you get in the States that you find people using picks.
What we have at present is a system of loss socialism. Whatever goes wrong is shouldered by the general public and anything that works is privatised. Worshippers of market freedom have suspended the most important economic principle: Risk and liability go hand in hand.

