Otherwise the basic plan seem to be to pull a bait-and-switch, selling people on a purportedly person to person grassroots currency then pulling the rug out from under them by migrating it to business-to-business then to megacorp-to-megacorp...
Well put. Bank of America, Wells Fargo, et al. already provide me with an expensive and restrictive form of money transfer. Their services come with perks too, like insurance and customer service.