Thanks for your interest and suggestions!

1.) If the public bank were to act as a recruitment service, it would only be able to recruit into public (aka government jobs). Otherwise we get into the same problems of government "speculating" on or choosing winners and losers and that is exactly a type of problem that got us into messes we are currently in.

Being governed by council, the scope would be further limited to local government jobs.

2.) Are you able to explain the second point about encryption keys in more detail. What is the use case? You want the bank to store your public keys. Will you pay them to do this? They may need to verify you, which will take some effort. Or do you want them to just store any keys with no guarantee of reliable service?

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