One thing which comes to mind is the payments system in the U.S. We had a thread about it a month ago:
Generally the U.S. payments system is high cost and/or slow and/or high fraud. Many other countries have better payments systems–although none is perfect.
Some of the other suggestions in this thread are poor, for example legalizing drugs. While I think a case can be made for legalizing marijuana the costs of the two major legalized drugs is extremely high–much higher than the costs of the drug war. Tobacco is associated with 490,000 or so deaths a year and alcohol with 180,000 or so. Alcohol is also associated with a lot of violence. Why add more substances with these kinds of massive costs?