You can set up your own banking system via a whole of life insurance policy - specifically a mutual life insurance company.
The cash value of the policy allows you to take a loan without paying it back if that's what you want, but it is deducted from your payout when you die.
The best place to save money is in insurance, because unlike a bank the insurance company actually has to have money and the assets to be able to pay people out at time of death and also to lend you money through your cash savings.