The sovereign individual is not asking for permission to store and transfer money. The sovereign individual has funds in self-custody and transfers them over the decentralized permissionless peer-to-peer network. No bank or government is interfering with the sovereign's individual finances.

Here is how to build your own bank:

https://github.com/anton-isidore/articles/blob/main/articles/financially-soveregin-building-the-bank/financially-soveregin-building-the-bank.md