"Cryptobanks" are already going down the same route as their bigger and older brothers. Fractional reserve and interest scam 2.0. Central banks and commercial banks leeching of value in cahoots from the plebs. I guess nothing will stop that if people don't "get" Bitcoin & Monero and just think it's another investment they keep with their centralised and government controlled custodians.

Use Bitcoin as a store of value and convert to Monero (digital cash) as needed. Centralization always leads to involuntary taxation. Taxation needs to ever more surveillance and control until it crumbles down on its own weight.

The good thing is this time no one will bale them out.