Kinesis monetary system is one that allocates title directly to the ultimate beneficial owner, where banks conversely hold legal title of their customer deposits and put those deposits at risk, the Kinesis system is in fact much less risky and with much greater return than legacy alternatives.
With global low to negative interest rates, bail-in provisions, depositors insurance being removed, and with banks holding legal title to their customer deposits, it makes no sense to choose risk and nil-to-negative return over the alternative Kinesis system with negligible risk and
high return.