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Interesting. Kinda like the Token card model with TKN. There are many complex economics that can be coded into smart contracts to solve these problems.

Everyone will be their own bank. We will need systems to guide reputations of each person-bank. These rep systems also need to be cooperatively democratically owned and operated.

Just reviewed the white paper for TKN. Looks like I should learn more. What is required is an easy way to register any kind of object, [or promise of some service] as a token that can be exchanged. I would also like to control who can buy or sell my token [say I don't want to serve a certain kind of business such as criminal organization].
This would enable me to sell/exchange an object in my house such as a gram of gold [share of a solar panel] without actually having to physically transfer the object to them at the PoS, like checks.

say I don't want to serve a certain kind of business such as criminal organization

Ehh, this is why we need private transactions. You don't want token spends to be KYC/YML regulated. That's how you lose the crypto appeal of digital cash.

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