This is a really good response. Thanks for the advice! I'll look into it. :)
It's not so much that it's a false Utopia, I just feel like you're rooting everything in political systems, culture, and some sort of pre-existing fundamental goodwill, when a more robust system would need to be rooted in managing the expectations and motivations of the people, as well as structuring systems where the paths-of-least-resistance make compliance with the spirit of the law quick, easy and profitable, while simultaneously making disinformation, corruption, and fraud slow, painful and expensive.
It's not that hard to imagine. Just take all the existing tools and technology that modern corporations already use, and instead of using them to prop up 1980s-style banking, civil, and communications systems rife with exploitable attack surface in the name of unattainable infinite growth and short-term profits, use them to streamline and harden the intended use of those systems against malicious actors in the name of stability and long-term prosperity. If we can protect a military base, we can protect your credit cards. We just don't. But it gets even easier once you sprinkle a few gee-whiz sci-fi technologies in there.
The concept is great, it's just the approach feels so wrong-headed. If all it took was a generation of young people who had never known war or strife, the 1990s would have lasted forever.