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Everyone will be their own bank. We will need systems to guide reputations of each person-bank. These rep systems also need to be cooperatively democratically owned and operated.

Just reviewed the white paper for TKN. Looks like I should learn more. What is required is an easy way to register any kind of object, [or promise of some service] as a token that can be exchanged. I would also like to control who can buy or sell my token [say I don't want to serve a certain kind of business such as criminal organization].
This would enable me to sell/exchange an object in my house such as a gram of gold [share of a solar panel] without actually having to physically transfer the object to them at the PoS, like checks.

say I don't want to serve a certain kind of business such as criminal organization

Ehh, this is why we need private transactions. You don't want token spends to be KYC/YML regulated. That's how you lose the crypto appeal of digital cash.