Interest rates may or may not matter to Venture Capitalists , but it does matter to individuals that can think and want a profit while keeping their principle intact. 
Only an idiot would believe a checking/savings account is a safe place to keep money right now.
Those so-called idiots outnumber your VCs and they are risk averse.
They will trust their cash in a mattress before BTC.
And they will determine if BTC ever reaches true Utility.
BTC has still got years of Public Relations efforts to go thru before the majority of the public trusts them.
