No I do not think that we need something like that because of the fact that its something that is not needed for us right now.
I agree with you, I think we do not really need a bitcoin bank dude, because in fact we still can easily store your bitcoin in a wallet and it's much safer than bank and without any control right ?Well, i need a place to store my money. A bank can do this, but so can i. I can do it even safely. I need the possibility to send and receive money. A bank can do so, but i can too. Can i take out a loan? At a bank this is possible if you match certain criteria, but there are other ways if you need to. A bank can pay me interest rates, but they are laughable so thank you but i prefer to invest my money elsewhere. A bank can advice me where to invest, but why would i ask someone who knows less then me, but charges more?
So what is your conclusion?
If you didn't say it but meant that you don't need any Bitcoin banks at all, that may well be the case for you personally. But you should think about other users as well. Can people hold their bitcoins safely and securely locally? I think that the total majority of users can't do that, and they are using web wallets instead. You seem to deliberately avoid the fact that web wallets are paying transaction fees for their clients. Bitcoin banks as a further development of web wallets will most certainly do the same. Further, I don't think you can really take a loan unless the other side already trusts you. Other than that, what kind of collateral are you going to provide online?
