having a public option that’s not subsidized and competing fairly is a reasonable policy. the biggest potential issue i see is having the federal govt middle-manning all those otherwise private financial transactions, but that could be mitigated by having a private and a public bank account, with instant transfers to move money back and forth. and offering these through the usps seems like a winning move, through their well-established post offices all across the country (at least the ones not sold off at fire-sale prices in the past few administrations).