My idea would be to create a bank to safely store people's bitcoin and other crypto for people who just want to hold for a lot of time.
They would register with the passport or ID, it would cost 100 GBP + 1% to deposit and verify people's identities.
Then, to withdraw, it would take 3 months, they would have to show the passport and have a meeting via zoom once a month during 3 months stating they would want to withdraw, it would cost 300 USD plus 1% of the value.
It would compensate for people who want to hold for a lot of time without having security concerns.
You obviously don't know why we have Bitcoin and why Bitcoin was created in the first place, I will advice you to check Bitcoin whitepaper and the message that was included in the first Bitcoin block that was mine.
The Times 03/Jan/2009 Chancellor on brink of second bailout for banks.
Some believe there different context to this message of Satoshi but everything explained about this makes Bitcoin superior to the Banks but from your explanation you want to make Bitcoin looks like the Banks. The Bitcoin was never designed to be like the banks but was created to make you be your own Bank, and how do you achieved that, by having your own key on your hands.
With your private keys and your Bitcoin on your wallet, you will be your own bank, with your key you control your own transaction which makes you censorship resistance of any person, organizations or even the government, with your keys comes freedom. Never give your Bitcoin to any person and never trust anyone with your Bitcoin, Not your keys not your Bitcoin.