Hi all,

I'm new to the forum and new to the idea of Bitcoins in general. I must admit that I have some reservations about the currency (I'm hoping to eventually be swayed), but at this point I'm really excited about its potential upside if it takes off.

As someone who has just gotten into this though, I see two big problems (among others) that are stalling Bitcoin's adoption: the lack of businesses using it, and the lack of a system to get back stolen funds. As to the theft problem, I'm seeing a lot of forum posts relating to encrypting and protecting your wallet, but none of them actually guarantee that your cash is safe and reiumburse your money if its stolen like a regular fiat currency bank would, which is a problem when you have large holdings like that poor guy who lost 500 grand worth of bitcoin.

So some of my friends and I were toying with an idea: what if someone made a service that would let you deposit your bitcoins and would actually insure it in case of theft? Would that be something that would interest the Bitcoin community (especially if it would pay interest)? And what if, somewhere down the line, this bank figured out a way actually make bitcoin-denominated loans somewhere down the line (I know that's waaay easier said than done, especially having to figure out a way to get past the inherent anonymity problem of bitcoinss )