There is a book.
The richest man in Babylon, and I blame that book a bit.
It makes money lending out to be some sort of heroic deed, of course it is not.
Investment, not lending is the heroic deed, not these pound of flesh style merchants.
There should be no bank loans, only bank investments, no credit cards only payment systems paid for and controlled by banks. And we need to electronic cash as well, someone needs to sort that out.
We need excessive property buying to be seen as a bad thing, land lords need to be vilified not seen as some necessity.
And we need to celebrate both production and consumption, we don't need financial services, we need products that can be used, things to do, places to go, and to be entertained.
Is it really all that hard, just go round and identify those who don't bring anything to the party, and get rid of them, everyone has to work to make the party happen, if they are not doing their bit in one place, they should be sent out to find a place where they might make it happen.