For all major loans (mortgages, credit cards, business loans, etc) it should be possible for a citizen to apply to the state or federal treasury.
The interest so collected accrues directly to the public treasury rather than to commercial banks.
The interest paid on public loans should be considered as a contribution made to any tax, Federal or state, otherwise owing.
In the same vein, whenever the government appropriates public money to subsisidize private industry the public then own non voting stock in that industry. The prosperity of those beneficiary firms is then shared with the public who subsidized them.