one practical solution that does not pour money into the pockets of the guilty bank system>>>
"The only reason we still have a payroll tax is because it's been specifically used to fund the two most successful and progressive social programs in American history: Social Security and Medicare.
Otherwise, we would have gotten rid of it ages ago. On its own, it's the most regressive tax imaginable: 12.4% of your salary (typically split between you and your employer) no matter how little you make, and capped at an annual salary of $106,800.