We're not promoting Ripple as a social/community credit platform right now but rather as a payment and exchange system. (Though I have high hopes for it in the future.)
The low hanging fruit right now would to get all the major exchanges acting as Ripple gateways in order to allow fiat to more easily enter the BTC ecosystem and move through it. If users were able to deposit their local currency at whichever gateway was most convenient and move that to any trading account it would drastically improve things. Likewise for withdrawals.
Is this something that you're working on, is it even possible to do without enormous legal/regulatory challenges?