BTC doesn't pay interest or have a way to lend them your tokens. Ripple is as close to the banking industry as you can be. Ethereum is also close to the banking industry which is great for the protocol because their project is more ambitious than just a bank.
Bitconnect is a direct threat to the banking system as we know it. If they can keep it going and improve the technology why would people choose Coinbase or any other banking system over Bitconnect?
I mean if you get paid 1% daily interest then it is the way the banking system should work when you lend your money to it. You are supposed to get interest when you lend and 1% a day interest in crypto is actually reasonable according to the math.