In most countries, more equity would not benefit the ruling class. Do you have a political solution that accounts for this which I could suggest to my representative? Because absent one, a digital gold standard seems the least bad option to me.

Granting everybody access to the banking system is just a matter of some regulatory entity requiring that banks create a kind of account they can grant to anyone and that they don't deny it, or of the government itself making a bank that doesn't deny service to people.

There's nothing there about equity. It's a completely different problem.