Various solutions proposed are partial solutions. One must attack the fundamental issue. If we go back to fundamentals we can see that the only complete solution is an Islamic monetary system, that is, hard money. The otherwise strong economies of Malaysia and Indonesia, combined with the low price of gold at this time, put them in an unusually good position to make a transition if they can muster the political will, or failing that the religious enthusiasm, to do what our religion mandates anyway. Let us begin by reminding ourselves of the origin of money.
Primitive societies engage in barter.
Depending on the particular society, certain commodities eventually become accepted in trade by people who have no immediate need for them because they become aware that others who need them will accept them in trade. They never suffer from a crisis of confidence because people know that even if they lost their utility as a kind of promissory note, they would still have some value in themselves. In the time of the Prophet, gold, silver, hard wheat, and a few other commodities served a monetary function. Gold and silver were the best of these and in the early centuries of Islam they were the bimetallic standard of the Islamic world. Because the exchange rate between them was stable there was no problem abiding by this standard for 400 years.