Here, accountability is key: http://en.wikipedia.org/wiki/Accountability http://en.wikipedia.org/wiki/Accountability So I'd use a social way to make all the st

Here, accountability is key: http://en.wikipedia.org/wiki/Accountability http://en.wikipedia.org/wiki/Accountability So I'd use a social way to make all the structure accountable. A "real time" way of figuring out how any portion of the money deposited in the bank is being used, and the possibility to opt-out with one's money if, say, high executives have deep pockets or they invest in coal, oil, weapons, etc. (via funds, etc.)