This is Satoshi Nakamoto's dream. He wanted to give each person their own bank in hand.
He wanted to save people from the problems of trusting third parties. And most certainly, he did not want your assets to be seized by the decision of state authorities or that you would have tax liabilities in case the price of the asset increased. The assets were seized by the decision of government authorities or so that you have tax liabilities in the event that the price of the asset increases.
Imagine a Bank that has no management and administration. All these functions are performed by the smart contract program. Anyone who wants to connect to the bank becomes its co-owner. You can place your financial assets as authorized capital in the form of a deposit on your bank account. The bank guarantees the preservation of financial assets by issuing you an equivalent value (smart contract tokens). The bank accumulates financial assets of all co-owners and accrues income for the placement of funds. You can earn by helping others to become co-owners of this bank by providing an opportunity to connect to the bank. You can always get your asset back at any time by returning its guarantees (smart contract tokens) to the bank.
The peculiarity of bank guarantees is that they cannot be depreciated under any circumstances. The smart contract program provides for an increase in the value of tokens depending on the amount (authorized capital) of the bank's deposit. The higher the deposit, the higher the cost of the token.
http://prosh.ru/smartcontract.html I believe that in the future when technology develops in a different position, we can take advantage of everything that you want me to be right. Not sure about this, but I think in the future focus factors will be gradually phased out, and i think BANK is just the past, and then we will have a new concept to call this. Decentralization is absolutely fine which doesn't need to be debated, but the thing is, we need time, looking back to what we built this market after a while, what we have ?, I think If we are still in need of a broader acceptance then we will look forward to what you mentioned.
Looking back is pulling the past with you. A fundamentally new look and approach is needed. A new economic policy is needed that is not based on the Fiat rate, it is necessary that Fiat is determined by the rate of a cryptocurrency that is not subject to centralization and someone's control, as is now happening in the DAO.
The fact that the DAO community manages all of their derivatives from Ethereum and can either nullify or block any tokens they create. In my project, ETH-WORLD tokens do not have control at all and under no circumstances can depreciate. In turn, they influence and manage volatility and ultimately the emission and price of Ethereum itself on the blockchain network.