As to common fiqh, each individual is responsible for his and her deeds and omissions. The commandments are in first place directed to each individual. Our responsibility for the sins of others is limited. We are allowed to have commercial relations with disbelievers or sinners as long as we do not encourage them in it or profit indirectly (e.g. buy stolen goods or work in a riba bank.) Only an appointed judge is obliged to punish transgressions of others.
Nevertheless, the commandments concern the society as a whole, and it is legitimate to apply the verse (2:276)
God condemns usury, and He blesses charities
also to states, communities and societies.
The present system is clearly against this commandment. A system based on interest free help and charity should be established.
It's a good task to a believer who is capable of it to find ways to change the system in the sense of the Quran and it is a task of the community to try to make it true. This it cannot be solved on an individual level and no fiqh supposes that God will hold you (and me) liable for living in this system.