Can you cite a recent (viz. the last 20 years) example of where an American bank lost somebody's money? I simply haven't ever heard of such a thing.
Apologies for the delayed response. I wasn't referring to losing deposits entirely. I meant losing them gradually over time due to decrease in purchasing power.
I guess some governments could come after all of us, but they are thus far focusing on the brokerage endpoints, which is very effective and gives them everything they need.
"Everything they need" refers to Know Your Customer, which you don't require currently. If governments could somehow enforce this requirement on cryptocurrencies, rest assured they would have done so. It's just that cryptocurrencies are decentralized and thus beyond their reach, unlike Haypenny, which is precisely the point I'm emphasizing. You can be easily shut down, whereas cryptocurrencies cannot. It's as straightforward as that.