Its like a door opener.

The Fed already offers banking services to banks. That infra can be reused by everyone not just the banks. But why isn't it?

Its an old question that the banks get very jittery about. But it came back to the fore when a couple banks collapsed last year and the Fed had to step in and save everyone's deposits. The entire amount. Even though its not even obligated too. Everytime this happens, people start asking more and more loudly, with the tech infra we have today, why can't those of us who want to, just bank directly with the Fed?

Big banks will oppose furiously so attempts will be made to do it in ways that don't appear to be a threat to them. Hey man we just interested in the banking unbanked poor people. But obviously once postal infra can be reused to open a bank account with fed then Anyone can start using it...