Imagine if access to banking was a fundamental human right
I suspect that banks should be also very strictly controlled about what they can do with the data they collect about the transactions.
What I mean by secure and fair is what Krugman talks about here[1].
The idea would be similar to saying that people should have secure and fair access to water (in other words, not polluted, and not horded by nestle).
As it stands, our banking system is not secure (as the '08 fin crisis demonstrated) and it is certainly not fair (as banking execs, bureaucrats and plutocrats made out fine while taxpayers and money-holders were left on the hook for the fallout, bailout, and the bursen of 4+ trillion in what is basically free helicopter'd money for wall st).
1-https://www.nytimes.com/2009/04/10/opinion/10krugman.html?as...
Oh wait, that already exists and it's getting worse and worse every decade.