Small issue on your argument against ecash. The nym thing is only today bc of lack of regulatory clarity. One family/neighborhood member running an ecash mint as a nym, but the members actually know the underlying person is a good model bc you can always go to their house and attack them if they ru...

My best hope for Bitcoin banks that don't give up privacy or rug risk so far is Fedimint. I don't know if they've quite neutralized rug risk but they seem like they may be getting there with some creative methods of blinded federation.