I have been thinking about something similar except that my idea is a little more extreme. I believe that citizens should be able to deal with the central banks directly or not at all. by effectively making every single person their own central bank, and thus they can choose to avoid country banks entirely.
if that's the case, i would not accept currency issued by you (an individual) since i cannot perform the work of verifying that you have assets to back your currency printing (which you are allowed to do as a central bank).
