It's still too early for me.
In time I expect them to value pristine collateral more & provide more compelling products. I also expect Bitcoin banks to emerge that understand the needs of Bitcoiners better.
Discussion
Banks as storage in a Bitcoin world is counterintuitive to the NYKNYC paradigm, so really what we're talking about is just a lending facilitator - to diversify lending risk over investments they deem 'sound'.
I feel like decentralised networks and protocols can and will (and no doubt already) facilitate that type of product in a far better way than an organisation that clings to the traditional idea of 'banking'.
Yeah basically. I'm happy to pay a premium interestv rate but I don't trust them to hold my UTxOs securely & return them at the end. Multi sig with an impartial third party is acceptable.
We shall see.
I'm definitely in no rush to send my UTxOs to a bank.