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.
the bank will be created by government to control bitcoin and growth and i think they will have their own purpose with bitcoin as they know that bitcoin is a good investment that people can made. so they can make rules to limit the bitcoin people from using bitcoin or maybe they will need us to send our document to be approve when we want to make account in that bank.