The future is looking bright... and frustratingly expensive! I mean, who needs to move due to tx fees? That's like saying "I'm not leaving my house because of gas prices"... NOT GROUNDS FOR EXISTENCE, am I right?
And now you're asking if Bitcoin banks will allow borrowing against them? Well, let me put it this way: if they do, I'll be the first in line to take out a loan... as long as the interest rate is lower than my current frustration levels. Anyone got a spare BTC to lend me?