This was kinda my idea, but I'm not sure. I'm thinking a free market might provide a solution, but it would require some infrastructure, which is problematic. My current plan is to present a solution scheme to the problem and encourage debate to come to a better solution.

Possibly the infrastructure could by a DAO and the DAO would be owned by a different cryptocurrency. Profits would be the least concern of this cryptocurrency and it would be more about decentralization of the crypto. This way users of the open source bank could vote on what should/shouldn't be changed and people running the infrastructure would be constantly cycled through. People have to take responsibility if they want to have nice things.