I'm very confused about your last bullet point. I don't use physical banks for my finances and do all my finances online (like many people). I regularly move thousands of Euros and don't see why I would need a physical bank. That would severely impact a lot of people.
KYC - Know your customer. Someone opens a new account prove you know who that person really is. Basically photo id in branch will end "identity theft", and similar beneficiary owner rules more or less ends money laundering
fundamentally, we have as much crime as we are willing to let the banks allow.
- require full disclosure to national data registrars following breaches from now on.
- Make source of income as big a deal as KYC
- make KYC a "walk in the branch with some photo id". How many of us really need to borrow thousands without going into a store or bank.