It depends how you look at it. Are the banks providing a service or would customer be providing the banks an investment means. Perhaps the incentives could be based on co-op shares, fair and agreed upon loan payments, and, the most important rule, actual money, i.e. gold. Banks could only provide based on a physical net value. On a higher level states, corporations, countries etc..., GDP would be the fixed money in circulation. It would be far slower than a fractional system, but one hopefully regulated by reality, instead of the imaginary. I'm just guessing. Very true, the internet has been a force equalizer, but it has also created a means by which a totalitarian Fascist police-state can spread it's tentacles into every individuals daily lives down to the second, anywhere and everywhere. From my research it's clear that civilization is nothing more than a neo-Feudalism ruled over by a handful of ancient families. Where once it was kings, queens, lords, dukes etc..., we now have politicians, bankers, corporatist. And, of course, there are still serfs a.k.a. debt slaves. And all are ties into the secret societies. You just cannot get away from it and as fervently as pseudoskeptics want to label such things "tinfoil-hat" or "conspiracy theories" they are a disturbing reality.