@OP
As someone mentioned, there is no reason for a rational user to risk dealing with a fractional reserve bank with Bitcoin, unlike with gold. All it takes is one bank publishing 100% transparent blockchain data about accounts in custody. Then who is going to put up with fractional reserve?
Everybody who wants ubiquitous debt. Which is most of dumb humanity, who live in the fixed capital industrial age, where capitalists rule. See my prior post for the solution.
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