The only blockchain I'll ever accept is one with a guaranteed 1:1 identity/wallet as in you can only ever have one bank account. That has mechanisms for reversa

The only blockchain I'll ever accept is one with a guaranteed 1:1 identity/wallet as in you can only ever have one bank account. That has mechanisms for reversals in case of fraud, like the system collects insurance fees and maybe if there's verified fraud accepted by an elected board then you get like 50% paid back... or something at least not a total loss. Furthermore your account can never hold more than 10 million dollars (or 50, ...but something reasonable) ... if this became the default currency it would basically outlaw billionaires from the start. It'd also stop money laundering since you can't have fake accounts, etc. Finally it'd need to have progressive taxes baked in, or simply you pay a transaction fee which is determined by your average daily holdings / avg monthly transactions or something...(needs tweaked) but someone hodling hordes of cash would essentially pay monthly hodling taxes (storage fees), and larger transaction fees, of which this gets divied back to those who maybe never have more than 10k in their account and spend most of their money each month.. The currency would also have some UBI worked into it. Essentially it'd make it so people could get the bear minimums, are rewarded for utilizing the currency as a normal currency, and penalized for using just as a store of value, and it ensures whales don't control everything, in fact I think the more you hodl the weaker your vote should be.