Doesnt matter if you agree. They are coming. It will be a process. No fractional reserves..
It is really coming after the news that Switzerland Central Bank plans to have crypto bank.
https://bitcointalk.org/index.php?topic=1685326.0So most of us are disagree with this type of concept but the game will change now as a first world country is going to accept bitcoin through their bank.
if it is a fact then it is really a good news about the future of bitcoin, i think then Switzerland has to accept bitcoin as legal currency, i think bitcoin will become more popular if any country take the step and consider bitcoin as legal currency.