Such talk is heresy.
Bitcoin can be the future bank all over the world. It might be similar value of World Bank.
Now a days there are so many big transactions are done with crypto currency. If people dont want to tell globally about their transactions they may use crypto in big number of amount in a single transaction, and nobody else can recognize that why and what they do transfer.
If there any kind of illegal activities involved in that transaction then if there is bitcoin bank exist over there then some kind of transactions may be stop by the bank.
In that case all the government make bitcoin bank in future, they will ask for all accounts details and the person who access the account. If all holders gives them details then it will be it safe or not?
I think bitcoin banks will not be effective in the world of cryptocurrency because what will be it's used ? If we can store all of our bitcoin and altcoins in our own crypto wallets because it will be much safer and secured. Even they will put a small interest in storing our bitcoins in bitcoin banks no one would entrust it.
Bitcoin already is a bank all over the work -_- That person is kind of an idiot. Lol they talking about things that bitcoin can't do. That would make it a whole other coin. It would not be bitcoin anymore if you could just reverse payments and things like that. lol then they talk about collecting everyone's personal details to use bitcoin? Such nonsense, that person should really learn the basics of bitcoin. Having everyones personal details one one large global network is the worse idea I have ever heard for a while.