In the wake of bank failures, it has become clear that the abstract practices of the current banking system within the Federal Reserve has no connection to real credit and community investment. In contrast, ideas from the 1800's supported a system of public local banks accredited by the Treasury Department that would give loans with a minimal interest. These loans would go toward local businesses, and the banks themselves would be the main way to directly disseminate the national currency printed by the Treasury Department. This system would do away with hight interest rates needed to continue fractional reserve lending, while redirecting the banks toward community economics.