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I now barely use my bank account, i get paid in dai, i pay others in dai. occasionally i have to move dai into fiat for bills. hopefully these central bank digital currencies help bridge that last step.
i love it because i can write programs to move my money around. I can stream payments with https://sablier.finance i can lend and borrow with https://aave.com I get paid universal basic income each hour from https://www.proofofhumanity.id I use https://yearn.finance/ and https://app.pooltogether.com/ as my savings accounts.
I can take a loan against my collateral with https://alchemix.fi/ to buy things irl. I have a https://monolith.xyz/ visa card to pay for things with my crypto (until bridges arrive).
I can organise with others in https://app.daohaus.club/ and vote in https://snapshot.org/
At what point have we satisfied your criteria for making something useful and successful? I use it everyday, it works great for me.
You can sign up for an N26 account via smartphone app and then use this (unofficial) python library https://github.com/femueller/python-n26
I fully agree with you though, the Open Banking outcome in reality almost looks like a joke. I only found the above as I was searching for a while to find a way to do this that didn't involve building my own screen scrapers to implement.
There are banking offerings in the UK with official APIs however you are looking at £200/month+ in costs.