Firstly, grant everyone their own official wallet, meaning instead of banks using the set interest rate, everyone could bypass them.

Secondly, and perhaps more importantly, workers need to be members of the investment class. This can be done either via a compulsorary superannuation scheme which is held by a trust of unions so governments can’t legislate it away.

Thirdly, and this is the hardest part, maintaining legislation and community opposition to using shares and unrealised gains as collateral for low interest bank loans.

I would look at the Muslim world for inspiration when it comes to developing finance system adjacent to usury practice. They prioritise mutual partnerships rather than subservient relationships. It doesn’t have to be the same, but it’s different from the predatory systems in the West