After re-reading major portions of the thread, and yes I will get to other entries as time allows, but thank you for this posting, contributor.

This is a valid question which requires answering and a solution.

So, what is it you NEED (OR THINK you need) in relation to services that would:
1) Provide you to maintain your purchasing power
2) Provide you with access and movability of funds
3) How would you prefer to transact? In Bitcoin? A Currency? Or, an Account which held an Equivalent Value to a currency you Choose (Here let's assume you live in the US and wish to bank in Euros, or were in Europe and wished to bank in the US; for exemplars).
4) What do you find difficult or inconvenient about your day to day banking?
5) Are you happy with the fees you are paying?
6) Are you currently being paid interest?
7) If there was a solution available that would provide you with preserving real value and purchasing power, but you could easily use bitcions - then was kinds of fees would you find acceptable (you can provide any ranges you wish)
And any further comments you'd like to bring up to discuss, so we can apply our it to our models and see how your Responses would play out, in turn allowing us to refine our structures and foundations.
9) If you could change 3 things immediately about the way you bank (or transaction for purchasing or transfering money) what they be?
10) Would you like to bank in another currency than your local currency?

We'd Love To Hear From You! Either here in public, or you can email your answers to info@bgmco.info !

Thanks again for your comment!