Some of the observations that “Financial Samurai” makes have questionable merit. (For example, he sings the praises of Singapore, which has a record of fairly serious restrictions of human rights.) In addition, simply speaking from the standpoint of entrepreneurial thinking, institutions, associations and organizations that are closer to the problems tend to be better at solving them than very large institutions or organizations, which cannot quickly pivot in response to errors, changing circumstances or new information.
That said, here you go: