The banking racket as it today is the biggest organized crime syndicate on the planet. The second largest would be the governments that allow these banks to operate in the fashion that the banks do.
Change is needed for sure, and when that change happens ideas such as yours need to be explored and implemented. Crypto currencies, at the moment, are the only viable avenue for change that I could point to and support.
Education is the key to adoption of crypto, people need to be educated to how the current central banking system works and the crypto adoption process will gain favor with the masses.
Until next time,
@sultnpapper