Banks should be banned. There should only be a state-owned bank. You probably haven't heard the theory about negative loans. Let's say you need $ 100 for personal needs. Take this consumer loan. They are obliged to return $ 80 or $ 60 to the state bank, depending on their work experience.
In other words, not one private bank can do this. In the USSR, there was such a practice. It raised the standard of living of ordinary citizens. As a result, there was also an economic benefit.

Now with regard to leisure. Kropotkin was still a theorist. In the USSR, there was a practice. Usually speaking about leisure, everyone mentions 2 professions of a musician and an artist.
More often, a hobby that is chosen by people who are much more mundane.

For example, I like to grow fruits and vegetables. I have a hobby of making furniture. When you pick up a spoiled unnecessary thing. Then you finish the work and it's better than a new thing, beautiful. You feel like a creator. Or here is growing vegetables. When a small sprout breaks through the soil. You water it. Then you collect the results of your work.

In addition, we have hobbies in the form of fishing, collecting mushrooms. In other words, if a person has free time. He won't just lie there and spit at the ceiling. He'll do something interesting. This case will benefit the society.

Will there be those who don't want to do anything? Of course! That's just the USSR showed. Such people will not be respected. They won't find friends. They won't start a family. Motivation by public approval. Or the motivation of public censure. This, believe me, is not always weaker than the motivation to make money.
The result is a strange thing. Conditionally -20,000 hours of mandatory work.
And maybe 200,000 hours of doing what you love. Hobbies can also be useful.
It is even found in some of the poems of the time. The translator will not be able to translate the verses. So I'll just pass on their contents.
I wish winter would come sooner. The reservoir will be covered with ice. I'll do some ice fishing. I'll give the fish to my friends and neighbors. I don't need it. I just like fishing.
In other words, a person wants to do a favorite hobby. The result of the work of his hobby is not very important to him. The process is important to him. He has no problems with money. Therefore, the question of food is not worth it. At the same time, it benefits society by distributing the catch (fish) to friends and neighbors.
Give me more time. Give free accessories and many materials. Why would I sell the restored furniture? Moreover, I do not need so much furniture in my house and my city apartment. Therefore, under such conditions, I will simply start distributing it to friends and neighbors. I'll be morally pleased to know. The satisfaction that they use beautiful and high-quality things and know that I created them with my own hands.
The creator's pride in his work. The result? 20 hours a week of mandatory work. And everything else is a hobby. That's just leisure will also benefit society.