Local, alternative and community currencies replace the money drained away through traditional banking, allowing the people to continue trading the essentials of life. Community Currencies cannot be removed from the communities in which they circulate, because the members issue the currency as and when they need them by trading their goods and services within their communities. This is democratic money, issued in sufficiency by the people to meet all their local trading needs. Bank money is issued in scarcity for the private profit of the banks and multi-national corporations, who frequently act antisocially at a community level.

When the next recession (like now) or depression hits the mainstream economy, community currency members will continue to trade as if nothing has happened. Community Currency is immune to the unstable perturbations of the mainstream economy. They retain their value and continue to perform their primary purpose of facilitating trade between members under all conditions and at all times. Traditional bank-issued money has never been capable of performing this simple social task. This is its main failing.