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Banks won't adopt bitcoin. They will allow it and might build services around it but won't adopt it.
Bitcoin is like cash money and gold so yes in theory banks could use it.
Bitcoin has an added "feature" it can be stolen online.
Print your private keys on a piece of paper and they can't be stolen online. Even a transaction can be signed offline.
Secondly banks not adopting Bitcoin is their loss. They however will be forced to adopt Bitcoin, otherwise they will be out of business. Bitcoin does not need banks to function perfectly fine.
i don't see how movements that violent could be possible at that price level. [...]
Lack of liquidity (at much higher price levels).