Everyone has to remain very upright, correct & ethical with regards to cryptocurrencies. It is a great tool & everyone agree with that. YET! Why banks fear cryptocurrency & why humans like you are not completely honest with cryptocurrency you offer. Cos it heralds a new age more disruptive than that of today’s Internet. Disruption can be a good thing, especially when it affects banking, a failing set of business models which, for all the tweaks, have been virtually unchanged for millennia. Banks are afraid of cryptocurrency because it would force them to innovate. Simply to Innovate. Do any banks have the ability to do so? As proven by your American system, the do not have that ability.