and none of what you say applies with a deflationary currency which may increase in value with time more than compensating for the small amt of interest paid by a bank along with the risk.
That the adoption rate of bitcoins are not exceeding the additional 50 coins per every 10 minutes dumped on the market. Hence the inflationary pressures on bitcoins currently exceed the adoption rate... it's why we're seeing inflation (IE: bitcoins going from 30 to 13) as compared to deflation (13 to 30).
Now that might change over time... but in all honestly thought it's not centralized via a central bank we're still "bernankeing" the system. or better said.. printing too many bitcoins to cause deflation at this time.
In fact we're printing more bitcoins in relation to the US dollar because we're seeing the bitcoin exchange rate falling in relation to the US dollar.