What if, there was a solution for banks, in which each had an organization or method approach to customization of accounts per customer; so that, each customer had one card for all their needs, whether it be debit, credit, access to a larger loan community for large purchases, if their creditworthiness was enabled? 

And, what if ‘enabled’ meant that the banking community had a hierarchy associated with stability, literacy (computer, speech, written word, all segregated and understood by the industry, and each particular bank, separately, in order to maintain privacy, etc.); and this, as the literate delineated customer (or business) signature, allowed the customer (or business) ‘points’ which then delegates authority-based purchase transfer (c/b similar to 1031 exchange, in real estate, so that government taxation is a benefit to the business structure and to government programs via banking, etc.)… these points and authority levels, would be something similar to Technorati, only not defined as ranks, but levels, & such authority, then would allow for manipulation of business-level, profession-based, trade?  This could be dictated through every level of customer interest, and allow for safety and security, and for “social work” to be actual work for lower income levels, leading everyone to a personally defined lifestyle choice.. .  I believe one would naturally gravitate to a serviceable comfort level, and respectable knowledge base, whilst maintaining lifestyle according to need.

So, in other words, actual dollars don’t exchange hands (true green, or going green in banking would = no green in currency)...  Dollars still in active play, but as a true social whim… making them fun, not mandatory.  Currency could be your bonus programs, your little extra, your allowance, whatever a lifestyle choice decides, but all life necessities are guaranteed (at the level of a person’s or family’s or business’ ability/practicality/understanding, etc.) through the working system, according to work ethic, according to work philosophy, according to responsible behavior, according to intelligence, according to health, and according to need.

That’s what I was thinking.