this post was submitted on 13 Jan 2025
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First off, it's great that you're thinking about things seriously, I don't want to discredit that effort. However, there are several issues with this.
Historically, revolution has happened in the Global South, and not merely by convincing the working class, but through organization. Look to how Russia, China, Cuba, Vietnam, etc all had revolutions, and you'll see it was driven by sharpening contradictions in class antagonisms.
Marxism rejects Utopianism, ie thinking of a model and trying to build it outright. Marxism requires revolution, yes, but takes a gradualist approach to collectivization once the revolution has happened. This is Scientific Socialism, which analyzes trajectories in Capitalism to predict what a Socialist society would look like.
FOSS isn't "Market Socialism." It's its own category of software that doesn't rely on profit or competition.
How do you plan to go about such a monumental task? Most Credit Unions are local organizations, for local users. There isn't a historical example of this happening.
Under Capitalism, even with a unified Credit Union, people still suffer from being at the whims of wealthy Capitalists, and likely wouldn't be willing to or able to donate en mass.
For all of these reasons, this isn't really a practical plan, which is why studying history and theory is important.
If you can imagine a global unified credit union, where everyone is equal, with better benefits than traditional banks, you've essentially removed capitalists from banking - think about that. You could do the same with other essential industries like education, healthcare, food etc.
I understand the concept, the problem is with implementing it from where we are now, and proving that energy would not be better applied via revolution and implementing Socalism. Your thought process is along the same lines as the Utopian Socialists like Owen, who tried to convince people but ultimatley failed. The reason Marxism has a much better track record is because of Scientific Socialism, which is based on analyzing how to get from here to there. I recommend reading Socialism: Utopian and Scientific.