I'm with ya Valheru.
There are a lot of problems associated with the Money in the Bank. Perhaps the biggest is that it completely undermines the integrity of the championship. This is the biggest prize in the promotion, winning it should feel like a big deal. By turning it into a quasi Hardcore 24/7 belt, it doesn't feel as special and the briefcase holder rarely feels deserving.
In fact, the only guy it truly cemented as a main event star was Edge. The likes of Punk & Bryan had to find alternative paths before they were accepted, and a guy like Rollins was treated as a paper champion.
It's a short-cut and like a lot of gimmicks it's well and truly worn out it's welcome.
A tournament like King of the Ring would be better, but even that had pitfalls. Namely they'd give it to guys like Mabel, Shamrock and Gunn in a desperate attempt to buy them credibility. The fans didn't buy into it and while guys like Angle, Edge and Lesnar did a good job of breathing life into the concept, by then it was too little too late.
WWE's recent booking doesn't help either. It seems like whenever a guy wins the King of the Ring, they get treated like a joke and jobbed out to guys like R-Truth who are nothing but dressing on the card. At this point, it's a dead concept and will remain that way for sometime.