I think the problem really isn't as complicated as that list might make it seem. In my home country (EU), local shops offer basic banking services (withdraw, de

I think the problem really isn't as complicated as that list might make it seem. In my home country (EU), local shops offer basic banking services (withdraw, deposit money) in rural areas where banks have no incentive to have a branch. They're already integrated into the wider cash flow system, money is moved to and from the locations securely regularly, etc. Postal offices would tick all those boxes as well with the additional contextual benefit of being government-run.