An plan which steps away from the total hard money approach of the Austrian Business Model. I found myself slightly galled by this softened approach but it does allow a far more subtle adjustment to the current setup and is more easily incorporated.
http://www.adamsmith.org/sites/default/files/research/files/HayekFinCrisis_0.pdf
http://www.adamsmith.org/sites/default/files/research/files/HayekFinCrisis_0.pdf