Yep, I don't think people want to be their own bank when it really comes down to it. They like they idea, but they don't want to have to worry about the same level of security that banks do... again custody is still a major issue.
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Yes it is. The first person to develop a safe storage(and/or custody solution), which is useless to anybody else but the owner of the crypto, is going to be a very rich man.
They have to make being your own bank easy and comfortable, or it will be very hard to establish a future world free of banks and middlemen.
Yep, agree completely.