I think we're gonna have to have a revolution first. The capitalist state forces us to engage with the whole money system. We need to tear down the state.
Step 1 is to spread more knowledge of communism through your community. Step 2 is to use direct action and mutual aid to build a revolutionary group who see and practice the benefits. Step 3 is going to have to be a coup of the government by the people, where we smash apart the machinery of government.