Banks be damned. They're just corporations, and follow the bottom dollar. They don't even have to become unprofitable to be influenced. People forget about the McDonalds boycott in the early 90's over Styrofoam food packaging. McDonald's didn't lose enough money to face any financial hardship, but they lost enough to know they needed to change course.
If more people turned to the extant credit unions or simply stopped using their credit cards for six months, the banks would listen.
Corporations are trash, but expanding government bureaucracy won't improve anything. Even if banking practices are changed, in order to finance the enforcement you'll be forced to surrender more wealth to the state, so sure, you haven't been stopped from shopping online, but what difference does it make when what little disposable income you had previously has now been consumed by the state? You still didn't get the thing you wanted, and you've got less money in your pocket.
The situation we're in today is just the end result of the uniparty slowly boiling the frog. It has been a slow, gradual march into oblivion since the late 1950's. And the people have been left with nowhere to turn. Labor has been exported, and China has opened their economy to accepting transactions from the west. We cannot strike nor boycott any sort of corporate exploitation of society, and the establishment has been bought out from under us, leaving us with no legislative mechanism for change.
The only viable solution is simply "walking away" and gathering enough like-minded individuals to set up your own institutions. But that only works until the government regulates and taxes you out of business.
