"This problem will never disappear and always persist until these institutions are completely
turned over and overhauledeliminated."
FTFY
As long as such institutions exist they will become evil doers in society. The only 'reform' that can result in improvement is their eradication.
As to not spending money, I confess I have not found a means to completely live without it. Most of my bills are paid by others, and I myself do not personally take possession of fiat and pay them. I do not use crypto whatsoever as money. I can't, because, as you point out, very few people selling things accept crypto as payment, and certainly not my grocer, internet provider, and etc. I do not use banks, and have not for more than a decade now.
Yesterday I painted a house and came home afterwards with fennel, onions, and strawberries, in addition to fiat. I complained I was overpaid. They countered that I undercharged. The difference in our valuation of my work remains to my credit as goodwill.
Barter as you are able. The more we do this, the more others will too, and eventually that 10% will be attained. My preferred currency is goodwill, and that is what I charge those that pay my bills, and why my bills are paid by them.
Goodwill is literally a universally accepted currency, non-inflationary, and requires no minting or printing of any kind, neither any means of exchange other than the most basic of communications. It is absolutely proof from counterfeit, and cannot be stolen. We are born with some to our credit, and when we die, it is the one thing we can take with us.
It cannot be taxed, and governments cannot use it to fund oppression.
What better means of exchange could be imagined?