Well ... perhaps we need an old bank system, with old values and principles. I have read recently a book about Amadeo Peter Giannini, the founder of Bank of Italy that later became Bank of America. A very inspiring lecture for me.

In my opinion we don't need more technology or new financial structures and ideas, but instead some old values and ethics ... https://en.wikipedia.org/wiki/Amadeo_Giannini

See also this brief introduction about the foundation he created : https://www.youtube.com/watch?v=XCYuARrz38c