Allow competing private currencies, not sponsored or created by the government. Effectively imagine Google spending $10 billion on Silver and providing a 50% reserve bank for "Google Credits". They could essentially pay their employees in credits, allow it to be used when purchasing with Google checkout, they could provide banking services, bill pay, direct deposit. Imagine your deposits would immediately have a "credit" value that would not be subject to inflation. If you have 10,000 credits you have $20,000 in 5 years if you didn't touch it you'd have 10,000 credits and $25,000. Google could provide a debit card and they could allow users to use it to provide loans for credit cards or personal or other loans (Prosper like). Ebay/Paypal would freak and immediately provide competition. JPMorgan, Wamu, Chase would have to quickly step up and provide more competition. The name of the game would be finding the currency that held the most value while provided the best service all while being backed by a metals that typically don't inflate or lose value. Hence it would be in the banks best interest for the currency to keep it's value, unlike the system we have now where banks aren't really affected by the value of the currency.