When the problem is an enforced monopoly of one criminal (fraudulent and extortive) Central Banking/Government Legal Fiction (corporation) the solution is competition.
The logical solution is that everyone is allowed to compete at their own cost.
In other words: If you compete by issuing fraudulent and extortive money yourself, then those who "buy" your money learn quickly that your money is almost as worthless as the Monopoly issue from The Federal Reserve (it can't get any worse).
What is a coupon?
A seller of chairs may send out a coupon of such a design as to be impractical to "counterfeit" the coupon. The holder of the coupon will receive a reward for using the coupon as a form of money, as the holder of the coupon will get a chair at a discount compared to someone not holding, using, a coupon.
There is no sense in a chair manufacturer, or anyone else, collecting up these coupons and storing these coupons in a "bank" for later use.
A coupon is a form of currency, which is a form of money, and the idea is to "make it current" because the use of it creates the flow of chairs flowing from the chair manufacturer to those who want chairs.
So you are at the store, and the store guy says "do you have a coupon" for the chair.
Where do I get one?
One coupon, one chair, two coupons, two chairs, and in that way the account is accurate, not too many coupons, not too few coupons, just enough coupons, one coupon, one chair.
If there are more coupons than chairs, then the issue of that money has been counterfeited in that sense whereby there are more coupons than chairs - why?
Someone wants something for nothing?