First off, I'm sorry if this has been discussed before (or even already exists). Also, I'm sorry if this topic better belongs in the Economics forum, if so, would a mod please move it there?
What about a BitBank? I've been thinking and researching the technical and economic practicalities of it, and I don't see why it's not at least theoretically possible.
I plan on starting only with small amounts (account minimum and maximum amounts in the range of 1 - 100 bc) and a token, experimental interest rate of maybe 1% per month, which I could pay out of pocket for a loss, at least initially.
If anyone is interested in donating some small amount to set up the capital for initial interest payment, send it to 17ogo8c4w9ag726KkXQC5RLCTdgfNepX7Y
As for loans, that's a whole other world. Any thoughts on the practicality of anonymously doing small loans? Does anyone think there'd be any non-fraudulent market for loans given the, honestly, limited utility of bitcoins at this point?