>no banks that offer digitally-signed attestation of account balances.
Why is this? Seriously, that alone could prevent so much fraud and misuse of funds. Every public company could have a digitally-signed bank balance, updated in real time.
Because then any guy with a laptop and coding skills could use the API to set up almost any kind of fiat currency-based money services or currency exchange business, and we can't have people doing that without million-dollar MSB/MT licenses!