We can Replace the loans model if the same efforts of decentralized due diligence and p2peer crowdfunding and an Equally held level of accountability for diligence with guaranteed minimum collateral and a convertible opt-out option - B-corps utilizing sidechains to allow users to work together can be possible.


Holding BTC is an investment - using and participating in the economies around cryptocurrency in and of themselves are investing in BTC and related technology


I would have to argue that 'neither do banks' have the power to protect your estate security any more than BTC would if properly secured - although the more I think about it, you're probably more correct - for now because it is much easier to secure regular funds as an average user than it is as a complex user who has things well figured out and trained.  (make a certain type of special decryption that requires humans as well as proof of death as well as proof of progeny and Bitcoin will supercede bank regulations involving beneficiaries)