Pretty much saying get rid of banks, how exactly does that work when everything rus on money which the banks are a central part of. If the economy could do without banks would the goverment really have bailed them out, of course not.
This is a ridiculous idea, to take out money that is saved in banks would be a difficult prospect, its ok if you have a few thousand in a savings account but IMO its not that simple, you would need to remove all investment aspects to make this effective, no saving accounts, current accounts, pensions etc anything where money is saved and used for investment purposes.
As for the banks charging for loaning money out where is the problem in that? irrespective of where the money comes from, they are paying for the loan from the goverment, why shouldnt we pay for money from them. you cant hand out loans without a penalty for it, it totally devalues the currency, if its a case of handing out free money then your whole society will change, for the better admittedly but its not going to happen in my lifetime if at all!
There was no option but to bail out the banks, the issue is the fact the banks got themselves into that situation in the first place and I dont think they have really learnt from it. As for hurting them by withdrawing our money, I dont think the people that would do something like this would be the ones the banks would be worried about withdrawing their money, if the banks did suddenly have no funds then the world economy will collapse and I think things would get a lot worse.