Does anyone on here think that there is ever going to be Bitcoin Bank, be it something which is centralized or something which isn't really doesn't matter. But I'd think of this as a company, or a union (like one of those credit union banks) where loans would be given out to people with trust, money is held, and so on and so forth.
I know many think that they can escape banks, but they are insanely helpful and trustworthy for many everyday people who we'd want to join into the BTC community.
I think the current situation is better. We can transact with so many institutions. We can keep our bitcoin in our wallets without taxes and any regulations. We can incash anytime and anywhere. Meaning bitcoin is an easy access so why need a bitcoin bank.