Not just stolen or bailed out money, but the entire thing is a centralized usury scam with interest payed on interest for eternal debts and over-complicated shit that we the people never bargained for when voting for puppets not on issues. I could go on but essentially the entire matrix of rigged systems feeds the corporatocracy and the buck stops there in the banks.

I love your idea: " Break them up entirely and disperse those funds (after paying savers). "

But how?

Here's some ideas:

• more transparency - aim for 100%
• make credit unions and trusts instead of banks
• restore integrity with simplicity and authentic guarantees
• limited to their region ONLY (ie. city or state/province maximum)
  • I don't know exactly how to balance diversified currencies, international trade, etc. yet being limited to a small region, but I sure it can be worked out.
• completely separate from:
  • the markets and speculative gambling (the independent free market can do that if it must)
  • insurance industry (create new insurance trust-union-coops similar in nature)
  • the corrupt legal system as much as possible, yet maintain the good parts
  • corporate influence and corporate media
  • centralized government (as much as possible)
  • disposable culture
• prepare for the worst and hope for the best
  • expect infiltrators, corruption, smears, scandals, sellouts, new laws, cyber war, sanctions, military, etc (transparency will help with some)
  • croud-source network with other communities for their experience in how they deal, adapt, evolve, the pros and cons, mistakes and gains - it can all help, and they should try to have your back when needed
• embrace ParEcon (like worker coops but for credit unions) and democratic voting on:
  • how the trusts are set up
  • who manages them for the people, who will be held responsible (not covered by some LLC)
  • how you participate
    • interactive contracts rather than be forced swallow what they grant you
    • don't allow them to change the terms without your agreement
• embrace diverse currencies, precious metals, valued physical investments, and cryptocurrencies
• embrace alternative economics and anti-consumerism with sustainability:
  • Community Coops (to manage the libraries, community policing, gardens, infrastructure, maintenance, etc.)
  • FairTrade
  • Freecycling, Recycling, Repurposing, Reusing, Upcycling, DIY, Makers, etc
  • Geothermal heating/cooling and greenhouses
  • Gifting Economy / Sharing Economy
  • Libraries Galore - not just books!!!
    • Oakland has a fantastic tool library where you can take out amazing tools - for free!
    • Imagine your community had 6 top notch lawn mowers and 6 top notch sewing machines instead of everyone owning a cheap one.
      • Manage reservations via open-source app, like much of this stuff could be.
    • Each community has a pickup, van, and/or trailer available for stuff.
      • Most people generally don't need large vehicles regularly, so most should drive smaller vehicles.
      • Dash cams can record it all to keep people responsible and not drive it like a rental.
  • ParEcon
  • long term goals - from higher quality goods to seventh generation planning
  • develop flexible work opportunities for the disabled, people with mental health issues, the elderly, they young, etc
  • value all work - from basement dwellers making open-source to home-maker moms to artists to whatever is currently not "earning"
  • embrace all forms of waste to develop new practical resources (this is too big a topic to expand on briefly here)
    • if it's still waste then it needs to be seriously examined and reconsidered
• be involved in your own fate - interactive participation and co-ownership is critical to healthy responsible communities
  • the days of convenience are over - don't be lazy and just leave all responsibility with the management of the new trusts
  • similarly, SaidIt is a community, and we must be vigilant and help self regulate and not leave all the work for the mods or admins

Yes, many of these ideas are similar to Agenda 2030 social credit score shit and a completely rental society where no one owns anything - which is completely evil. In my fantasy outline above, the regional community owns and manages their stuff - not the banks, corporations, nor some centralized government. Transparent accounting is kept, people buy in and get paid out when leaving, and disputes may be settled openly within the community. It's not perfect but it's MUCH better.

If you think this is all impossible then I say you're a naysayer. People can be motivated. Whether it's for a war or to hide from a virus or to riot, it's possible for people to take action and take responsibility - despite all the propaganda and shit in the media. But it has to be authentic grass roots via word of mouth, practicality, and reason.

I'm quite sure there's more I forgot or hadn't thought of but that's a start.