We could even cut out the middle man and allow the USPS to offer banking services, the way it did for nearly 50 years[1]! The original implementation didn't include checking or savings accounts, but it looks like they're slowly looking into that[2].

[1]: https://en.wikipedia.org/wiki/United_States_Postal_Savings_S...

[2]: https://federalnewsnetwork.com/agency-oversight/2021/10/usps...