>Cooperate with their fellow citizens and fix their banking system

That's exactly what Bitcoin was for.

I don't know where you live, but most places it's the banking system which fixes the citizens, not the other way around.

Only way I imagine being able to fix a bank is with a brick through the window. It's why one level up from where I'm at banks are closing their physical locations, keep no cash, and only have people for 1-2 hours in the morning when only the most obedient are awake and not occupied.