Your solutions are pretty much out of Marx. No judgment man, I grew up conservative and became more left wing as I grew older, especially living in Russia and Turkey and seeing people fighting for rights the West takes for granted- those rights given to us by the left. By the way, even Lenin believed in a market economy and using capitalism to fund socialism, after the failed experiment of war communism. But nationalizing banks and the like- this is never a proposal of the Centre. Only the extreme right or extreme left advocate for nationalization. And since you are discussing the end to standard western lending practice, that puts you on the left not the right. It’s at the very core of the capitalist system and you want to dismantle it- that sure ain’t a centrist view.