Interesting the first point is obsolete by having an app on my phone. I am my own bank. Like Obama pointed out we have our own Swiss bank account in our pocket, and like Jeff Burwick points out on Dollar Vigilante, we really have more then a Swiss bank account in our pockets, we can send value to anyone, anywhere in the world at any time, from anywhere for pennies. I personally think anyone promoting a bank based blockchain just hasn't grasped the concept of a decentralized economy yet.