* Solution for the Problem with interfacing into the legacy banking system: *

We simply create our own banking system outside of the legacy banking system bypassing old banks all together.

We as individuals create out own mini-p2p-banks with a small or large safe at home to store cash/silver/gold/whatever.
We build trust by having trusted individuals inspect/audit the mini-banks cash holdings and security on a regular basis.

Each mini-p2p-bank builds security and trust scores as independent private trusted auditors inspect their "banks".

It would be smart to store your money at different banks to protect your wealth against a bank crash.
The mini-p2p-banks handle money transports between themselves.