Ya, Ya.  I'm getting to it.  In the mean time, you should brush up on some of the work the Blockstream guys are doing and why their motto is 'trust everyone'.  They are focused on crypto-based solutions which would allow one to balance risk.  So, instead of giving the bank all of your money (or BTC) which technically and legally becomes their property to do with as they please, there are things like time-locks.  If you take or fail to take certain actions on a certain schedule, the value of your deposit can revert back to your control.  These crypto 'primitives' allow a much more robust cyrpto-currency ecosystem and cut the (unreliable and expensive) state sponsored legal system out of the loop leaning instead on pure mathematics which is much more reliable.