This seems awesome proposal. How long time ago no one does that?
It's a terrible proposal and goes against the core values of crypto.
What are the core values of crypto and what do you understand under the "cryptobank" term?
Bitcoin was created specifically as a decentralized fiscal system that avoids the use of centralized banks that control the global money supply for their own gains, all while causing dramatic problems for the common citizen that doesn't understand what is happening behind the scenes.