So, investing in community via savings = a real return.

This is very good point. I do believe ultimately everything will be at local level - governance, banking, charity, etc.

Loans would have to be collateralized such as house or car loans, If the loan can't be claim the collateral.

Hmmm, very interesting. You can extend this a bit further and say loans should only be taken to purchase assets. The asset you purchase is going to be the collateral. You want to live luxuriously? Get a loan, purchase an asset and use that asset to start a business. I like this idea.