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miridius ,

A banking system running on Blockchain

Is an astronomically terrible idea. It:

  • would use as much electricity as an entire country
  • payments/transfers would be both much slower AND much more expensive than via a bank
  • would have no protection against fraud. You got scammed? Your money’s gone. You paid for something online and it never arrived? Too bad
  • would have no way to stop money laundering
  • would have no way to help people who forgot their password, they’d just lose their life savings permanently
  • would tie up a bunch of capital, preventing reinvestment and growth. There would be no way to get a bank loan to buy a house for example
  • the list goes on
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