I think the solution is a system like cryptocurrency to where the responsibility, liability, custody, and capability to defend oneself lies in the end user.
It doesn't even need to be decentralized: GNU Taler is one example that gets posted here a lot.
Any attempt to retrofit the old system of banking will only make it harder to replace by a system with better underlying assumptions.
I don't think older/busier people who regularly fall prey to scams even in the current system would be thrilled to assume more responsibility for their financial safety.