The easiest, most simplistic way for everybody to cause the STHTF

Giving up your credit card isn't enough. Everytime you get paid, withdraw the money in cash. Do not ever make any electronic payments or use written cheques. Banks abhor cash, they loath it, they want to get away with fraud in the e-universe. Using only cash forces them to adhere to reserve requirements. They cannot sustain themselves if they have to maintain reserve requirements. That's their fault for being scammers.

And last but not least, when you withdraw cash, ALWAYS ask for the money in the lowest denominations, like 10s or 20s, I don't think they'll go as low as 5. It pisses them off and feels good in your hand. If you ask for 100 dollar bills or higher, that defeats the purpose. Let the system crash and reboot the sound way.