Why would you need a bank when there's an available hardware wallet already?
Is it possible to build a decentralized bank?
Bitcoin is made against the banks centralization system which will help all of the users to properly circulate the digital money worldwide through the use of internet. A hardware wallet is likely a decentralized bank where you can carry it in you all around.
This is why I never think a bitcoin bank would work.
It is against what it stands for about it being decentralized and moving people away from using their current banking ecosystem which is primarily centralized.
I see exchanges starting becoming centralized and people do not use those certain exchanges because of this.
I do not blame them one bit.