The world's Central Banks and all elite banks has since 1971 been creating money out of thin air, in the process maintaining economic and social pyramids of various sizes and tapers throughout all humanity. The lesson must not be lost: Our dreamed Employees' banks (EB) can just as well create such fiat moneys as needed by businesses, but this time to narrow down wealth gaps. In the Philippines, how may mega co-ops set up an EB? Capital for a nascent Philippine EB and its nationwide branches should come from: a) all mega co-ops at 10% of capital; b) the government at 10% of all local and foreign loan proceeds for all time, all converted to non-voting EB capital stock; c) all State agencies, corporations and local governments at 10% of yearly operations budget, also converted to non-voting EB capital stock. Said provision should prevent old-style politicians' meddling with monetary volumes while enabling State to earn interest income; d) all private CSR corp