Simple community savings schemes need not have a bank or banker if there is a circle of trust. Such schemes have been around for a long time… the poor person’s bank… and rely on mutual support in an extended family.
There’s a clear need for good KYC to support these schemes, which is why they are usually based on face to face relationships and handshakes.
Verifiable Creds might provide digital support for these very human schemes, normally limited by geography and locality. Combine the trust of such a scheme with the cleverness of an app like splitwise to manage the record keeping, and you might have something useful to help groups of coop members to support each other in tough times and perhaps find things like deposits in housing schemes without resorting to more toxic and extractive products from the financial services industry.
Just a thought?