I think that an effective way to remove collusion and corruption is to hit the power of the banks that are doing the good and the bad weather all over the world.
So a system of exchange of electronic values (such as transfers, the use of credit cards and debit cards) directed from person to person without the middle bank will produce an economic advantage for us and a lost profit of our bank.
Why pay 80-800 times more when I could pay 1 cent and not earn my bank?
Imagine how many operations we do in a year ... do you understand that every time we use electronic (scriptural) money we earn it?
In addition, banks finance arms producers (search on search engines), so earning banks is complicit.
Fortunately, the solution exists: https://universalincome.cash