We need to boycott the banks and use credit unions whenever we can.

It would be a good idea to have an electronic payment service mutually-owned by credit unions, which are themselves owned by the People. I'd use it, and so would many businesses if it saved them money — so long as it uses the US Dollar and other common currencies.

Ideally we'd ban for-profit banks and usury, and organize the finance industry into a guild, which owns the means of payment, and can self-regulate instead of relying on corrupt, and often ignorant, politicians to solve industry-specific problems. But that's probably just a corporatist pipe dream.