And they are full time jobs that require an enormous amount of personal ambition (which is usually tied to wealth) so one can argue even being in congress prices out anyone NOT a "multi-millionaire".
If so, it really helps frame just how messed up this system is.
Like What system would You propose where campaigning funds don't matter? What, public fund where every candidate gets a fair share and they are prohibited to, for example, printing flyers on their own? In the land of free, nonetheless? Ofcourse it costs a lot to campaign for high positions in country as big as the US. Actually, in any country.
So basic supply and demand means more competitive seats, more expensive races, more pricing out anyone attached to the reality of living an average citizens life in this country.
I don't have an alternative proposal at the moment but step 1 is identifying the issue.
No more super bowl campaign ads? That sounds like a great system to me.
As for single account, again: will your forbid other "individuals" to make any political contributions that might or might not influence standings of a given candidate? Verry quickly you start playing cat and mouse game, and at the same time, heavily infringing on freedom of expression