This is a very paypal-esque statement quoted below.  If coinbase is subject to that kind of deposit risk ( ACH chargebacks? ), then I question the business model and funding process.  I, for one, choose not to do business with companies that treat their customers as guilty until proven innocent.

Perhaps instead of relying on, and being corrupted by the old banking system's stifling practices, coinbase and others in the space should be actively encouraging, organizing, promoting, funding, and marketing a worldwide person2person exchange model based on the buttonwood, where buyers and sellers meet up physically once a week to exchange in person and in safety.

This is a model that can be scaled globally to every city, town, village, campus and 100% routes around the legacy banking system.  We will not break free of it until we no longer depend on it.