Some interesting ideas on how communities could provide for each other without banks.

What Credit Cards Can Teach Us
Simple, ancient protocols for community resilience and global trust

At Grassroots Economics, we work with systems of Commitment Pooling … a protocol for communities to coordinate real resources through shared promises.

Now imagine this: instead of a bank, your community creates a pool of resources.

Each person contributes what they can—labor, care, food, time—and issues a voucher for that promise
These go into a Commitment Pool. Anyone in the group can borrow from the pool and later fulfill their own promise back into the system.

It’s like a credit card, but instead of owing money, you give back in service. The “collateral” is your reputation, and your care.

https://willruddick.substack.com/p/what-credit-cards-can-teach-us