A Public Bank!

This is a really good idea: Eschaton: Public Banking Option

Yes there should be one though probably the best we could hope for is a “if you want to make money providing the financial services to run our food stamp debit cards then you must offer accounts on these terms.” Not holding my breath for that one, but “paying someone lots of money to do what the government could do more cheaply” seems to be the only acceptable way to do anything decent these days.