[minimax]

What you are saying is that you would replace interest bearing savings accounts with fee charging "idle money" accounts, and that if you want to earn any interest on your savings you have to lock it up for a fixed term.

That doesn't really sound like a better alternative.

[ef4]

You may think it sounds better after a few more rounds of banking crises. TANSTAFL.

[boon]

Traditional paradigms of banking might have to change when each person can be his or her own bank.