Totally agree.
The old boys type organisation at the top of the FA is strangling any hope of progress in the national side. Any organisation's philosophy will be reflective of it's leadership, be it complacent, ambitious.... or in the case of the FA and the National team, self interested and cliquey.
My personal instinct would be to abolish the FA as it exists and take the running of the national team into the portfolio of either the Football League or the Premier League. Ensure a direct requirement for improving the national team in line with the running of the domestic leagues.
How the leagues and non-league set up would then be administered would be another matter entirely, but in the case of the national team I believe it would make the best sense.