One thing I forgot to post: A central banking system like other countries have. We need one.

We need a central bank where they do not charge us money to gain access to our money. We need to curb the practice of bank fees, like when they pay off all the huge payouts first, then let the little ones rack up overdraft fees. We need slow and steady interest payouts.

We also need to have separate bank-like institutions for corporations and businesses, let's call them VCIs (Venture Capital Institutions). They can borrow money, loan money, charge whatever they want...but if they fail, they're not backed by the FDIC. This way, all the risk gets dumped on the corporations that want the freedom of VCIs, and rewards, but we don't have to share in it.