The perfect solution would be to ban government from money and finance. After the Enlightenment, there have been bans against government from torturing people for confession, searching homes without a warrant, and engaging in for-profit business. The idea was to avoid concentration of power and the perverse incentives for those with the power.
State-free money and finance was more or less in effect during the Italian Renaissance and Scottish "free banking" era in the 18th century, for one accidental reason or another. Both economic growth and financial stability were spectacular.
How do you see this happening, as I see things going exactly in the opposite direction? After every "financial crisis" the regulations and restrictions on banks increase. Governments and financial institutions are becoming more intertwined, not less. We are moving away from a "free market" system, not towards it.