I think it is a trust, why many coins fail? because investors none the trust and will eventually choose bitcoin. the Bank will make many rules and restrictions so that make our account be frozen.
All banks set a lot of different rules. And if we break them, our account will be frozen. But this will not happen if a person simply uses his bitcoin purse. Therefore, I believe that such banks are useless
You use a bank, which means you should accept all its rules and rules, bitcoin banks appear, which means that bitcoin has been put into the legal system, if you want to use Use it, you must certainly follow the rules of that bank, and of course, you will not be in violation of their rules.