Ok because the question got 42 upvotes, I realized I needed to make a couple of posts on the topic.
The first is a guide for people wanting to transition away from the banking system...
https://steemit.com/steemit/@williambanks/your-bank-is-an-anachronism

The second post will be coming in a few days and will be targeting anyone who runs a bank or finance company, sort of a 101 on how they can become useful to the world again.
@silverbug2000 I mentioned you in the article and gave a shout out of thanks! Want to say thanks again! I'm following you now.