I think that it can be good but I also think that we do not need it because everything is going great right now and we do not really need one if you are asking me about it.
I think its not a problem but that its not needed.
Well, I believe we are already satisfied with the current set up of bitcoin, like the others are saying that we can do banking but we do not need banks, the good thing is that bitcoin is decentralized while banks are centralized, being decentralized would mean we are not controlled by any group or institution and we can get the full freedom using bitcoin.