There is a bank run going on. Maybe I am stupid, but how would a legit BTC bank honor timely withdrawals without a Federal Reserve or central bank to step in and become the lender of last resort?

Maybe the disagreement is on the definition of scam? If you are expecting a level of guarantee that can only be had with FDIC insurance and central bank backing I think you are asking for too much. I don't think most people here would want to socialize the risks associated wiht BCT lending.