sure. this precise sort of banking existed in the past and was extremely successful, stable, and high function. governments did not take it over to make it run better. they took it over to profiteer from it and use it as a means of social control. they have built a system that is going to imminently fail and the ability to move money in non-traceable fashion and do transactions selectively by jurisdiction now exists. the time to build the systems into which we can relocate is now. the move of money, savings, investment, and commerce to a field where government cannot see or impede it will represent the greatest shift in power between government and people in human history. this is how we become true citizens governed with consent instead of subjects and customers not chattel. the state will fight it, but they're going to lose control, especially as they start to severely debase currencies. there is no inherent reason that government money is desirable. and there is too much need here to not find a solution. this is basically inevitable, it's just a question of when, where, and how