There is no need for private Banks. Banks and lending should be separated. Banks have only one purpose to store the money and give it back when I need it. No in

There is no need for private Banks. Banks and lending should be separated. Banks have only one purpose to store the money and give it back when I need it. No interest no fees or anything else. It doesn't require some great feats to increment or decrement numbers. Similarly paying, transferring, etc should be instantaneous and cost free. Highest cost should be electricity cost of computer running the transaction. It boggles my mind why let there be cluster fuck of crappy private solutions when the problem is faced by whole society. Why not build 1 efficient cheaper public owned system. We don't have private highways, private dams, so why can't we have public owned banking system