Did anyone think at this? How would a bank work? How could you loan bitcoins and get interest for them in an economy with just 21 milion BTC limit?
Ripple do have some resembling feature as you stated here. But the question is IF such bank is formed....Who will be Administrating/manage this bank? Being decentralized nobody can control or regulate BTC transactions, So if there is no control there is to guarantee of re[payment of loans.