Doesnt matter if you agree. They are coming. It will be a process. No fractional reserves..
Alright, so I guess you are going to build the first (and last) ever bitcoin bank. Let us know of the procedures of transactions and what exactly are you trying to do with the bank?
Will it spread awareness about bitcoin to the general public? Will it ease the process of exchanging fiat to bitcoin and vice versa?
Just claiming that something is coming is not practical as long as you dont provide any concrete proof about the same.