I think you could have the best of both wolds. I would use the banks for amounts that I would use for everyday purchasing or trading. But for long term investment and larger sums I would use a cold wallet.
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Makes perfect sense to me. Although I think the vaults that they're trying to set up are actually cold wallet storages as well. So they may have a hot-wallet option and a cold-wallet option. We shall see!!! Thanks for the input :)