Banks thrive on so-called risk-free paper while entrepreneurs, who could generate jobs and build industries, are starved of capital. Beyond such ventures, trade associations can go further and establish cooperative banks of their own. A Hoteliers Cooperative Bank, a Farmers Cooperative Bank, or a Manufacturers Cooperative Bank could ensure that savings within a sector are reinvested in that sector. Unlike commercial banks that chase government paper, these cooperative banks would understand the realities of their industries and design lending terms that make sense for their members. If Ghana is to break the cycle of parasitic banking, then collective entrepreneurship must become a movement.