Can the idea of creating a Bitcoin Bank solve the problem of transactions?

[uzair]

Everyone understands that without solving problems with the time of confirmation of the transaction and their price, bitcoin can not develop. The idea of segwit2x did not receive the support of miners. Perhaps you need to create a bitcoin Bank that will combine the functions of a wallet and audit. The functionality should be similar to the stock exchange. Inside the Bank bitcoin can be moved instantly and for a small fee. Coins at the time of the transaction should be frozen and the transaction can be closed only after confirmation by both parties. To manage such a Bank should only core developers to whom you have confidence. Miners will process payments to external wallets. The rate of such payments will not make much difference. Do you think such a system has the right to life?