I cannot disagree with you.
The problem is, none of what you suggest will become reality. You should be quite aware of the current political situation. If you think elected leaders are going to do any of the things you suggest when so many interests love the way it is, dream on.
I do not assume the responsibility for the government debt in the sense that I feel somehow guilty for the way I live or the people I have voted for. But what you miss is that the government is us! Even if you don't like it in order to have a voice, we abide in it. Perhaps a financial collapse seems a great answer to you, but some thinking people ponder outside the box (no pun intended).
If there ever is a time when the people pressure government to hold the line on spending (just hold it), it would be nice to have a slug of money to help move the debt in the right direction.
California is a great example of perpetual irresponsibility. I can see the lock box perhaps working even better at that state level.
PS: Sarcasm is the lowest form of humor.