I really surprised with so many negative feedback to the idea of crytocurrency bank.
Why would I use bank for my bitcoins?
To be able to use a cryptocurrency as you do fiat today.
I also think that this idea is stupid, and I don`t know how banks are planning to get into bitcoin community. That will be tricky for them, what can they offer to me (or us) to open bitcoin wallet in some bank, pay monthly account maintenance, what can they do for me, that I can`t do myself?
A year after your words we see several projects develop blockchain based banking services. To be a cryptobank client and use its services you don't even need to move your money to a bank. Take a look at Everex or Crypterium projects.
What do they offer to us? To buy a coffee for ETH with an iPhone like we do with fiat currency already.
Only one thing fall on my mind and that is high saving rate. I opened some saving calculator and for example best bank in my country offer if I save in my currency 1 000 000 dinars for one year (that is 9 000 dollars) I can earn 90 000 dinars (850 dollars).
If I save in foreign currency, for example dollars, 10 000 dollars for one year will bring me 396 dollars. Which is joke, so how big interest they can offer for bitcoin to I be attracted to save my bitcoins in some bank?
That's where I agree with you. There is no interest for a user in saving cryptocurrency in a cryptobank.