I like this idea too, but I'd suggest a variation. This reminds me of safety deposit boxes in a real bank, for which you must pay. I'd suggest that the fully expanded bank like you suggest cost something each month. The standard unorganized bank would be free, but you could pay more for each "box", with a maximum of 16 boxes. And you'd have to maintain a minimum balance sufficient to pay for one month's fees. Anyway, that's my two cents. In any case, sign me up as a supporter.