да... они будут давать фиат под 1% за 2% биткоина. потом можно вернуть свой биткоин но минус 2%... но сколько глупых будет неизвестно... в какой стране понятно... 

selfish_gene

bitcoin

Bitcoin doesn’t need banks | Foundation

foundationdvcs

Bitcoin does not need banks. And yet, they will inevitably exist. 

There will be businesses that keep fractional reserves and show paper balances to users. Arguably, centralized exchanges already are exactly that. 

It's inevitable.