I dont know how a bitcoin bank would work but a bitcoin insurance company might be something to pursue.The idea is that premiums are worked out based on the risk of losing wallets and the rate of fraud with paypal chargebacks and other calamities that could cause a loss of your wealth.You would pay a premium each month and cover a set rate of any losses you suffer.
Would you pay an insurance premium for such a service with bitcoins and what measures would the insurance company need to take to protect its members from fraudulent claims ?
Too complicated. There are a lot of nuances. It will require a system to calculate the scammers.
a simple example: I will transfer tokens to another wallet. I'll compromise the secret key myself. And after that, I demand to pay the insurance.
How to detect such fraudulent transactions?