Well I like your ideas, but you forget that this is community existing at all is a big step towards the currency you are imagining. I suggest you play along for a bit and see where this project goes. If the ship starts to sink PM me and I'll jump on your new currency, for profit, like the early responders did on this one  

Sounds like you want a way to distribute the physical representation of currency through the internet with a means for verifying transactions using reliable third party intermediaries? If you think banks are gonna give up their rackets for charity work and cyber-currency you're dreaming harder than the people who dreamt this place up. Credit unions, maybe, but the idea I think here would be to get something set up so that you can actually walk up to a friend of yours and transmit him a bitcoin (w/e) in exchange for his old stuff, buying a pizza for you, the clothes off his back ect. Then when currency X is widely accepted and traded by people stores might start to ease into the idea and paperless transactions would eventually over take payment in cash and via previous credit scams. As it should.