I highly suggest you read the jawab-e-fatwa by Mufti saheb db. He touches on this issue of dealing with the greater framework. Your statement is not true to the extent you think it is. http://www.deeneislam.com/ur/misc/BO...rateMustaqeem/ Hopefully you can read Urdu. And we have to start somewhere, right? Ofcourse a complete top-down system is better but tell me who is establishing it? Give me some names and examples of concrete efforts in this regard. Mufti saheb never stopped anyone from coming up with a complete framework infact his effort is in that direction, which he has made very clear many times. My bigger worry is the jumood in many of our ulema (once again not trying to say that Mufti saheb db is the only exception, there are others too but definitely in the minority). They will write long papers on issues that have been settled many years back (and that the jahils like the salafiyyah raise every now and then) but they won't try to research how to solve modern problems through appropriate application of deen. Financial system being one of them. And remember an easier fatwa does not mean you doubt the sincerity or the capability of the faqih. Otherwise you will start blaming our mujtahid Imams too. If in a particular matter Imam Shafii gave an apparently easier to follow fatwa, start accusing him of trying to find loopholes.....