This is an interesting idea but one that will, if anything, increase piracy. Given a torrent link and a bank account number, how many people will think "let me try the book first for a bit, if I like it I'll pay" and then never come around to pay? Or even not care about paying at all, nobody will notice or be able to track, so you're basically safe from law enforcement.
The key here is the dishonesty in society. It annoys me every day.
I hear 30-year old overpaid software engineers brainstorming how to cheat the ticket checks at the ski resort. I watch people at all-you-can-eat buffets piling more food on than they can eat and bring something with them for consuming later at home or by their family. People discussing tax loopholes. Or how to get train rides for free if nobody checks the ticket. All well-off folks. Cheating their way through life. It's sickening.
It makes me wonder whether religion may actually be a (partial) solution to this. An atheist myself, I can see value in brainwashing people into believing that they are constantly being watched by an almighty being which will ensure they go to hell if they steal or similar, even if nobody else is watching.
