Oh, come on now dude ! You have 21 posts and in all of them you are accusing different coins of being scam. Can't be all that bad !
I don't know about Bankera, but being backed up by Spectrocoin, I trust it and I already bought 175k.
I've been using Spectrocoin for quite a while now without any issues. I even have two cards registered with them, which are accepted in most of the online shops and ATMs as well.
Just get a life and let us live ours.
Cheers.
You forgot to mention that all the warnings (apparently from different users) all appear to be in exactly the same template (sorry format).
NFI.