I can't explain all the technicals aspects because I'm not a developer, but you clearly don't know anything if you are saying that 1 ETH should be 1 USD or something low like that when there are only 72 millions and the ultimate goal is to be adopted by mainstream corporations and institutions.
I remind you that BTC is unheard of in the mainstream world, no one actually uses it and got to $1300. Now you do your math and think how much it could be 1 ETH if it's actually useful and is as if not more divisible than BTC.
Why do you think big corps or instis will adopt it?
I rather see they fork or copy the thing as is, thats why R3 hired Hearn....
Banks cannot just work on open stuff, forget it.
The problem is that this technology doesn't really work like that, it needs to be decentralized to work, just look at Augur for example. A blockchain adopted by Barclay could be just a fork of BTC, that's it, it's nothing too complicated. They can actually do a fork of Ethereum (although it's not as easy as it sounds) but what is the benefit of that?
If we are pushing AI, decentralized servers, massive data collection, the only way to go is using a standard platform, similar to the internet which it's somehow decentralized except for its server and services. This would improve not only security (which is not minor...) but the possibilities are endless.
PoS is working fine just for a multi bank intra net and security will be higher. That s exactly the max grade of decentralization banks might finally accept, not more.