We're never going to separate money from government because part of their responsibility is the national security of the economy. Also they collect taxes to pay for defense, social programs, building and maintaining, parks, infrastructure, streets, highways and bridges, subsidizing industries to prevent extreme price fluctuations, etc.
Many people will argue that a career politician is more qualified and experienced at governing than Joe Six Pack.
They would find ways around your OP suggestions because that's the nature of power and those in control of it. They simply amend, rewrite and wiggle around, till they get what they want thru their leverage, position and influence. It's the oldest profession next to booty call.
I'll tell you one thing I have learned from business and debate. The simpler you make the rules and less words you use, the less room for someone to abuse and twist the meaning. My business practice had such a simple receipt and sales recording process that it was near impossible to steal from me. Only 3 steps from purchase to books, even Houdini couldn't make my money go poof.