[worstspotgain]

> banks don't like lending money

Not quite. If you're not lending money someone else has deposited, you're not a bank. Banks have to lend money. Problems arise when they lend too much or lend badly.

If we want to spitball, we don't really need banks. In the age of computers, the central bank could take on their ledger function without breaking a sweat. It could then contract out the lending and deposit functions separately.

The deposit function is trivial. All deposit institutions would be 100% trustworthy. They'd just basically be ATMs for your account at the Fed.

The lending function is slightly hairier. The Fed would set risk parameters and performance-based revenue sharing. The lenders would have one client to please, and would be barred from many of the shenanigans they do today. However, they'd have a rent-seeking incentive.