they do not do it because the adoption will speed up faster and they do not combine them and they know that they can not totally prohibit it because all the people would throw themselves into that platform and it would be unstoppable. The banks still cover a lot of space in the world bitcoin does not even have 2% of the money that banks have that still has a long way to go when you have even 5% of what people invest in shares in the stock market of the world bitcoin will be super powerful worldwide a few years for that to happen could start mass adoption for 2020