Money/Financial Speculation is the core of the SYSTEMIC problem, and a well regulated form of public banking is the wisest way to ethically protect us in my opinion. However, the even deeper problem is the current monopoly paradigm CONCEPT for the creation and distribution of new money, that is, the fact that new money can be created ONLY AS DEBT. The last monopoly paradigm concept to be changed was Salvation Via Roman Catholic Sacraments ONLY. What we need is BOTH the systemic recommendations you suggest and a Monetary Reformation that quarantees the freedom of universal monetary security instead of the quaranteed monetary and economic instability of the current human civilization-long and very anomalous paradigm of DEBT ONLY.