Currency is valuable especially in our technological world. Debt currency on a large scale is a dinosaur but what about a gift currency: work is performed and recorded. That record is traded. As each trade is made its history becomes a testament to community economy. (*Information regarding debt currency inefficiencies.)
This has been done on paper. On a small scale it cannot be forged as each transaction is signed.
"Oh I see you cooked meals for old Mrs Smith when she was ill last week, and she had bought a painting from Ana... Yes I'll accept this for an afternoon of landscaping." And it continues.
I am interested in a medium of exchange created from "tracking pixels" currently used in shipping and advertising. Any work or trade can be entered into a database and encrypted becoming part of the record of that currency that cannot be forged any more than breaking into a Bank of America's system. And why forge a history? Takes too much time. These can be on phone Passbooks or paper as they would be scanned every time they were used. Some would have more value than others-- essentially e-denominations.
Such a system would be much easier to program and implement than setting up a bank and credit card system. Even Nobel Prize and Congressional Medal of Honor winner Muhammed Yunus famous for microcredit could not muster starting a bank in America. The only fix is innovation.
*Some background regarding how the current system inherently absconds from innovators and laborers.
http://www.globalresearch.ca/its-the-interest-stupid-why-bankers-rule-the-world/5311030
http://www.youtube.com/watch?v=EEZkQv25uEs