What d5000 is not seeing is that most known and valuable Microsoft or Apple products are closed source, but it looks like everyone doesn't have any problems with that... But why is Radix closed source? They've patented the technology so:
1. others can't just steal their idea and a working product they've put so much time and work into for the past 5 years and this is an absolutely healthy move in my opinion;
I think the fear of this is a tad overblown. Ripple has 1 clone, NXT I think has 1 clone, ETH I believe has no clones and 1 fork. I'm out of the loop so I could be way wrong. On top of that, since Radix intends on not having a pyramid distribution, the incentive for cloning is much less. If there isn't a step by step manual of how to clone and make $$$billions$$$, not many will put up the effort when they can just market some "industry breaking tech" on a bitcoin clone or ETH token with a 2 or 3 page whitepaper describing how random industry XYZ needs the blockchain, and needs it
baaaad and this token is named after that industry so $$$.
2. banks can't copycat a superior tech to use it for their purposes (for free) but instead they will have to pay, which is very important, thus increasing the power of the Radix team and the ability to contribute further to the existing tech and mass adoption of it.
They presumably would only have to pay for whatever service your implying while the code is closed source. Centralization was hinted at before in some chat log leak about "users not caring about centralization" or some such in another emunie thread. This is hinting at it again. It's fine if Radix wants to go some centralized-ish route, though I don't personally see how it's a sustainable model if the code will be open sourced later.