Largely I do not see banks survive in a Bitcoin world.

Banks do two things:
1. Store large amounts of money securely.
2. Transfer money.

Bitcoin does both.


Loans and interest is called "investing with risk" and that is what hedgefunds/bonds/stocks are for. If a bank guarantees you any kind of return on investment/(deposit) without telling you HOW they are making that money, it is a scam.

BTC interest is simply not happening while BTC itself is increasing 100% in value per year, its insane. There is no way anyone could make that in the long run or without huge risks - as soon as they moved the capital into the real world trying to earn that interest their fiat would loose value faster than the BTC doing nothing.

Maybe when the BTC deflation is at ~1-3%/year in 10-20 years interest on BTC deposits could realistically happen.

In short banks came into existence because of the inherent problems with gold and fiat money and now they will all disappear again as their business case is GONE.
Only loaning and investment firms will remain - though of course such may choose to call themselves banks for branding reasons.


Also, danalex, for your information:
Your "anonymous" BTC address next to your name and forum id (whose IP the forum admins can look up) is in fact NOT anonymous.