The problem is that we're all adults now.

We started reading comics as children/teenagers and have continued to do so.
That means that the comics industry is now aimed at the adults who have continued to read, rather than the children that once read.
It's written, drawn, edited by the adults who read comics as children.

The only way to get back to that childhood innocence is for adults to stop reading comics.
For children who don't care about production values to read bright, happy, simple comics.

It's become a cutthroat adult business and that can't be blamed on Marvel.
Every major publisher is in a similar boat.

Basic wages have increased, production & distribution costs have soared, general inflation has set in.
A single comic will have costs for Writer(s), Penciller, Inker, Colorist, Letterer, Assistant Editor, Editor, Printer, Distributor, Store plus tax.
That's a massive cost to spread over one 22 page monthly item.
And money has to be available in order to finance issue production before the issue even hits store shelves, yet alone before the company receives money back, yet alone before the creators get paid.

And to touch on digital comics; that's not going to fix a whole lot, at least not yet.
Yes they'll cut out the printing and distribution costs (the store costs will equate roughly to digital store costs), but the price still won't work.
The reason iTunes works so well is that it's cheaper than buying a cd, and it's quicker & easier than an illegal download.
The ebook market is almost at a similar state.
Digital comics are nowhere near at the same point; simply because it's not economical to release a comic in digital form on the same day for a third of the price as print comic; simply because of the amount of people involved in making the comic that need paying, as outlined above.

And yes, the state we're in is due to the big speculator crash of the 90's which we look deemed to repeat again, quite soon by the way the industry is going.

I genuinely fear for the future of comics.