I explained in my reply that my solution is a fairly middle-ground endeavor: if you can avoid giving your money to The Problem, then do so. Notice I didn't say radically change your life.
The Civil Rights movement was monumental but it didn't eradicate racism, the strong correlation between race and class, the achievement gap, or any number of equity issues. It caused us to shift what we consider to be normal and acceptable. Another component was people ditching the prejudices of their forefathers and doing something differently than before. Protest was complemented by action, which has been slowly changing the dynamics I described.
Our exchange has helped me realize that I should frame my solution as a complement to the protests. Protests, by themselves, can be ignored, spun, and crushed under rubber soles. Action in the form of starving the machine you're protesting against complements this and shows that you are listening. It combines the "We're mad as hell" with the "we're not going to take it anymore."
OWS is definitely galvanizing us to come up with a solution, but I don't think it is one on its own.