the word bank has such broad definitions and origins, including the sandbank of a shore, bank-shot in billiards, as well as a blood bank. trades of slave and others goods happened at a bank, helpful funds were lent out over a bankers bench, trick shots were performed by banking the table, and lives we're saved thanks to blood banks.
"fractional reserve institutions" and "money lenders" are some specific names the financial schemes can be called. "bitcoin bank" could be a fine term to use, but when based on the traditional meaning, it's an obvious misnomer, because bitcoin can be used for so many things, including savings, authentication, and computation. certain words and definitions get phased out, and I really hope that the financial meaning of word "bank" will sink into oblivion.
[insert meme of a hopeful guy saying "no, no, no, not like that!" when the banks beget some new bizarre meaning in the technocratic dystopian world, haha.]
my grandmother has always told me - "turn on your own brain." she survived communism, and so will I. my bitcoin shall not be socialized. some people will want to socialize their bitcoin "for the greater good" - we'll see how that works out for them.