So we can see a better idea

Due Process Central Banking

Everyone get a Swift card, NSA and Senate can set their limits, fine.  Otherwise everyone had access to intelligent Swift banking, automatic correspondent bank exchange. If the cryptos want a spot on the Swift card, fine, charge them a one time entry fee and cover development costs. But everyone gets an intelligent Swift card that can carry bearer cash.

Taxation Power

Kick the inflation crap back to Treasury, the the Senate, then see what Nancy says, then the Supremes can weight in. We can always hope Nancy gets a clue and figures out revenue sharing. None of the crap has anything to do with banking, except banking shares its real part of the pain. And we can even isolate the pain if we have a quarter point monopoly fee, that sort of seals the deal. That monopoly fee pays for itself when dealing with the real tax man, that quarter point insures the banks are completely partitioned from any tax issues without bias.

Give them a 2% double spending contract, do as they please leave the banks out of the picture.  The nuttiness, all around, the lunacy of mainstream banking theory, all the weird, secret forces, the bizarre expectations with forward guidance; gone. You get the S/L balances in the pits in as much detail as the pit boss, nothing more nothing less. 

The S/L bank helps solve the traveling salesman problem

It tells the salesperson what the density gradient is from one hop to the next. Density in terms of sales calls he needs to make. But below the fixed market precision, we cannot tell him what order, and he will have a finite, none unity sub set to choose. This is why Due Process and universal Swift and Bearer Cash all come together.

The complete solution to the travelling salesman is the over the counter market. He needs to price his way across the region, deal by deal. Swift cards can do over the counter, in fact, all transaction are extremely fast over the counter, or at least we touch the ledgers soon. But the traders themselves have to find the routes, the S/L pit allows them to make bets on future path lengths.