We see from this letter that the problem with the banks is that they have and abuse power. Furthermore wealth and power will always tend to tempt and corrupt. Six of the aspects of wisdom and its pinnacle Grace are recognition of actual importances, appropriate terminal handling of problematic ethical outnesses, reversal as in repentance/reversal of the direction of a tendency toward outness, transformation of the outness itself, dynamic balance/ratio that is yet continually increasing toward Grace. Temporally translating this means recognizing banking and its dominance as the keystone structural problem, terminally ending its dominance (not its existence) reversing its enforcement of monetary scarcity by transforming it into abundance and dynamically increasing both the abundance of Grace as well as the power ratio between the banking system and Grace. Of course you’ll have to have sanctions/regulations on top of that even though one competitor opting into a grace based system will likely make it irresistible to all.