The idea of creating such a bank is certainly good. But I still do not understand what will be the material benefit of the existence of this bank, if people will allow the bank to block their digital coins in their wallet. not transferring them to the bank for operational management, and the bank will charge interest both on the deposit
Not quite sure i follow but i'll take a crack at it
the bank will not control your coins, they are yours. The material benefit would be having a safe place to store your earnings and a cryptocurrency which is suitable for mass adoption. Not sure where you are based but in the U.S the fees associated with getting your fiat into and out of the market are quite high on both ends. A currency suitable for mass adoption would allow you to spend the money you have in the market while avoiding these fees. Hope i helped