As of now while the crypto currencies are evolving, banks are essential for the development. But there is a big possibility that we will no longer need banks when bitcoin is on the streets. I mean why will you need banks if you have all your savings secured in your virtual wallets right? But that will take a very long time since we don't know how long will it take the whole population to accept bitcoins. So going back to your  question there is a possibility that banks will cease to exist.

I do prefer bounty campaigns over these ICO investments because you arent going to be required to have some investment before you can earn money,you are literally going to risk only your time and effort in bounty campaigns! and im sure you are going to get paid if you have done your research before participating these campaigns.

In our country we still dont have any regulations nor restrictions with cryptocurrencies,that is why it is getting more massive from time to time.Massive adoption might be possible few years from now,and these cryptocurrencies can replace the fiat system if you asked me,because there is already some restaurants and malls that accepts bitcoin as a payment.

They presumed that they have some statement regarding this non transparency because if they dont have,surely they are guilty because people are starting to know why they are hiding the spreadsheet if you use your common sense it would be obvious they are manipulating the rewards in each campaigns that is why they wont allow anyone to know whats happening in their participations.

Pronbably the best thing to do is to secure your investment which is 100% of your gains so that if anything happen to the coin you wont be affected because you will not lose anything! be vigillant because these pump and dumps groups are going to suck up your money in just few hours or minutes if a certain coin has pumped and theres no existing fundamentals so you need to take your profits fast.

Of course yes,because if not i wont be here ! im too lucky to have cryptocurrencies because it changed my whole life into something that i could never imagine.Turned me into a man from a boy who just want to have some good income few years ago and luckily i bought plenty of bitcoins and stored it in an exchange which luckly still running up until today,now that bitcoins is worth millions! 

This is great,so these ICOs wont have any chance to scam more people in the future,less advertisement less successful ICO scam projects.So it will really help our community to remove or to lessen these scam projects because its really polluted by these schemes, i personally love to see the community with less scam proejcts!

I dont usually join these free airdrops because most of these drops are worthless,and it isnt worth the hassle but joining bounty campaigns will give you a decent amount of income compare to these free airdrops which will only give you pennies in return of holding for months do bounty campaign instead and im sure you will have better income.

Alternate currency > marketplace > bounties there you will find almost all of those ongoing bounty camapaigns theres a lot of bounties there but be careful with scam bounty campaigns,always do your own research before investing or joining anything so that your effort and money wont be wasted with these scam ICOs.