As I understand, scientific socialism acknowledges class struggle and current material conditions, but still requires overthrow of capitalist systems. You’re suggesting it’s easier to convince people to overthrow their banks (and have no personal banking?) rather than switch to a global credit union.
Okay, at least we’re talking about execution now. I’ll read the essay, but like unix and fediverse and credit unions exist right now and capitalists can’t stop them. They can only compete with them in the free market. They certainly won’t be able to stop them once they get even bigger and more mainstream.