There will be an actual market for loans, with supply and demand and risk level dictating the interest rate and terms. Banks will have to be a VERY attractive place for customers to deposit their funds. They’ll need to offer a level of security and a good interest rate to seem better, or at least easier, than self-custody.

Banks will need to clearly state their level of fractional reserve lending so that customers can make an informed decision.

If the FDIC still exists (doubt it) they will have to operate like a real insurance company and not just print money to bail out the over-leveraged banks. Maybe there will be private FDIC-like insurance companies and the banks will have to pay for their insurance.