Depends on your definition of funneling money to the top. You need a decentralized economic system designed not to behave like late stage capitalism.

One example of this is Parecon

en.wikipedia.org/wiki/Participatory_economics

Honestly though, most of our problems are not driven by our economic system so much as our culture. You have to face that just about everyone worships greed whether they like to admit it or not.

In the US it is extremely pronounced and we even have idolized phrases about it like “fuck you money”. Where you have enough money that you can do whatever you want and you no longer have to follow the rules.

There is obvious a problem with our culture, but it is not just the US. Fascism is pretty much everywhere and even the most progressive countries still have huge wealth gaps that are always slowly widening.

Democracies cannot exist with large wealth gaps unless the wealth is aggressively kept out of politics. This is extremely hard and that is why the majority of all policies in all governments all over the world are driven by corporations.