I agree with other posters that the majority of the coins that exist now will likely not exist in the future. 

This is due to the market not accepting the solution or the team not executing on its plans.

If you look at Bitcoin for example, there are a number of coins created largely due to the slow transactions speeds of BTC (Litecoin/BCash, etc.). 

If BTC is available to resolve its slow speed then the reason for these coins existing goes out the window. 

2018 is the year of blockchain adoption.  2018 is the year of project execution as well as business and consumer adoption. 

This is what investors need to see to buy any coin on the market now (this is why most coins have been going down). 

Dreams and wishful thinking will not lead to wealth like it did in 2017. If meaningful execution does not happen in 2018 expect the market to continue to decline. 

I think you should reword your question to can I open a Crytpo bank with $3 Million since that's about what 382 BTC are worth at current exchange rates ($8200 BTC price * 382 equals $3,132.400)

The main question you should ask is who exactly do you want to lend your money to? 

Are you lending BTC directly to people?

Most 'banks' lend money to people to either purchase houses, cars or to start their own businesses.  Lending BTC would largely be a financially speculative activity which I think you would have a hard time measuring.  To mitigate your risk, you could require people to use BTC funds to create BTC-backed businesses in which case you would need to evaluate the business and its potential for success (and your potential to be paid back)

Another factor is reserving requirements.

How much money do you have to hold in reserve?

Since you are talking about a 'crypto-bank' this is likely going to be higher than a traditional bank.  This will protect you but also result in lower returns

In order to start something similiar to a bank you would need to have people with significant risk management experience as well as much higher capital in order to protect the public should you misjudge the risk and go insolvent. This happens with regular banks so would be a real possiblity in this case. 

On a related note, I'm including an article about a former Hedge Fund manager creating a Crypto Merchant Bank:

https://www.bloomberg.com/news/articles/2018-02-07/novogratz-is-said-to-raise-250-million-for-crypto-merchant-bank

He raised $250 million so I'm assuming you are a bit light to get started on a bank

I don't consider myself a trader but an investor so I try to evaluate the business proposition of a proposed investment. 

A large part of this game is emotional instead of logical so its important to acknowledge that and develop a plan in advance. 

Before you make a trade put your thoughts on paper why it is a good investment and how long you plan to hold it to realize a gain. 

The only time I would do something contrary would be for some sort of adverse event like the team missed a project deadline or lost an important team member, etc. 

Also, make sure you aren't risking too much on a single trade which might make you make trades you might come to regret in the future.   

The crypto is the wealth 

I think it depends on how much you want to cash out.  If its a large amount, make sure to discuss it with a lawyer and an accountant to see what you need to do to minimize taxes. 

There are service providers that will allow you to get a loan against your crypto which is not taxable (at least in the US).  Check out Salt Lending if you are interested in this approach. 

You can also look into doing a private placement type transaction.  Check out IBC (International Blockchain Consulting) which offers an OTC Dark Pool for high net worth people where they help people buy and sell large amounts of crypto. 

I would be careful about using family or other 3rd parties since it could be considered money laundering if you intentionally structure the transactions to avoid reporting the transactions.  If you are in a corrupt country, they will be more than happy to throw the book at you, send you to prison and steal your crypto so please be careful doing this. 

I would highly recommend speaking with a competent attorney and accountant when selling large amounts of crypto. 

Since this is a new and emerging industry there are going to be a lot of changes over the next 2-3 years in the Top coins.  

There will be coins with major market caps that are no longer around (just like any other industry) as well as some coins that don't exist now that will come onto the scene.  

In reality, how many currency coins do we need?  One or more projects are going to seize the throne and the rest will be left to fight over what's left of the market.  Just like any other industry

In the sense that the market has been going down a lot more lately, yes.  

I think that it is the wrong perspective to be a trader.  Better to take the perspective of an investor and focus on companies/projects with long term growth potential.  

In my opinion, the only time you should be selling is if you want to reallocate into a new investment (or increase an existing one).

This is a high growth field and there are a lot of opportunities for gains but you do have to watch out for bad investments so make sure to do your research

Depending on my financial needs, I would probably either HODL most of the coins or all of them.

My thought is if you are participating in the Bounty Campaign you should have researched and believe in the project and team.  

I understand that isn't always the case or people might have financial needs where they needs funds but I would generally avoid selling any bounty awards immediately.  
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I think the first thing to do is understand what your investment goals are before starting to make investments.  Do you want to grow your money and take it out in a few months or a year or grow this long term?  Your goals will influence your investment decisions

The second thing to understand is that huge price changes are not uncommon.  Even BTC can go down 10-15% in a day so you need to be emotionally prepared for that as well. 

Research the team, project, and other backers (Any high profile supporters?) before investing

I would put half in BTC and then put the other 50% in ALTs probably spread across 5 investments

Understand that everything in the crypto space is highly speculative.  Find projects with real potential and a solid team and backing.  Remember, its the team that will have to implement their roadmap.  There's a lot of growth potential in this space but also the potential to lose your entire investment. The important thing is to limit the amount of risk in each investment (no more than 5-10% per investment) to limit your exposure and the chance you lose all your chips

Agree with other comments that you need to provide additional information to get good advisors. 

Most advisors have certain areas they specifically help with (Financial, Compliance, Marketing, etc.).

What specific area(s) do you need help with? 

For Governments its a way for them to gain liquidity and access to capital without actually selling the underlying asset. 

The challenge is does the investor have a claim to the underlying asset as they would by owning the stock (IE: what's stopping the Gov't in question from just running away with your money?).  Typically, courts in these countries are not exactly free so its highly likely that the investor would lose any case brought.  US courts would not have jurisdiction or the ability to help the investor even if they awarded damages. 

As such, these should be avoided not only because they are against the principle of decentralization but also because they provide funds to repressive regimes