Yeah, the best solution is definitely to only have one MiTB match per year and have four guys from each brand in it. Raise the prestige of it a bit when you have the midcarders earning their way into a relatively small amount of places, and only give us one "cash in" story at a time. Look at last year, you have to imagine that Swagger cashing in almost immediately and Kane cashing in instantly were at least partially decided by the WWE realizing that having three separate briefcase cash in tease stories going on in the same year with two being simultaneous would be excessive. Makes you wonder how they'll avoid it this year, and I think that's the reason the idea of a cash-in on either Punk (to keep the title and Cena in the company and cop out of anything neat happening) or on a victorious Christian (to continue screwing him over) has some sort of credibility - it solves the problem of having the same Money in the Bank story on each show.
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Mistake you're making - overlooking the fact that we might not want to be saved.