I agree with this wholeheartedly. The credit bucket thing is something that needs to be done. The legalization thing is something that needs to be undone. Shit may not be easy, but tearing shit down is a lot easier than building shit up.
Then, after tearing shit down, you can build up the corners of life where it makes sense to regulate marijuana, such as on the job, in traffic, et cetera.
Rather than creating some grand new plan, how about just undoing the broken old thing for a start.