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Question: Do you agree with idea "Bitcoin bank" ?
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I don't know/I'm not sure yet
I don't care

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Author Topic: Do you agree with idea "Bitcoin bank" ?  (Read 139172 times)
deisik
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December 22, 2016, 03:25:13 PM
 #781

So you basically don't know?

From what I read here, lending bitcoins is more like playing Russian roulette. I guess you wouldn't call gambling as a business unless you are a casino owner yourself? If you are a borrower, Bitcoin banks would obviously require real collateral. In this way, on the one hand, borrowers will be discouraged from defaulting on their loans, and, on the other hand, deposits in such banks will be protected by proper collateral. In respect to everybody being be able to learn all they need to know to be independent, most ordinary people can't even install MS Office without help, let alone manage their desktop Bitcoin wallet
It is quite simple. If you are borrowing money to someone and do not get it back and also have no collateral, then you are doing something wrong. You should change something or let it go and stop lending money. Learn or leave eave the business to people who can do it profitable.
And do you really think people are to dumb to install Office? All they need is some proper training. Some are maybe to lazy or whatever, but everybody can learn it. If people have to they manage. If your life depended on the ability to swim, then you would learn it for sure. Were you born with the knowledge how to cross a street or did you first had to learn it? Just like most of us had to learn how to use a bank account, credit cards and stuff like that.

You analyze this situation in isolation

It is not about if people can or cannot learn something (they sure can if properly motivated). The question is basically about choice, not learning as such. If they can use web wallets and they don't need to install some abstract MS Office, the process which they likely don't consider as worth the effort, they will most likely choose the first option. I'm heavily inclined to think that if there were no web wallets, many people wouldn't use Bitcoin at all
For me web wallets and banks are not necessarily the same thing.
Giving people a choice is not always a good idea. We teach our kids math in school, because if given the choice most would rather play outside. But those kids would have a big problem later in life. So sometimes it is ok to force someone to learn something, but this is just my opinion. I think if you ask somebody if he is glad that he was forced to learn math or the use of desktop wallets, then most would agree.

Obviously, we are not talking about kids

But the assumption that giving adult people choice is not always a good idea itself works against your own considerations. First, who is to decide what is best and what is not, what is to be chosen and what is to be abandoned? Second, I could just as well claim that giving people choice in respect to which money to use (fiat or Bitcoin) is a bad idea on its own as well, and they should just stick to fiat (then see first). And last but certainly not least, isn't Bitcoin itself all about having choice?

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December 22, 2016, 03:33:43 PM
 #782

I think it's bound to happen one day and I'm in full support of it because traditional banking would be done with and we'll have our freedom and privacy to manage and monitor our funds
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December 22, 2016, 03:42:23 PM
 #783

No need to make bitcoin Bank, only strengthen the existing level of security wallets become more trustworthy. Except, I agree if blockchain technology that can create a banking system that is accurate, has been recognized and has minimal physical building by one of the countries with strict financial system but is open to the whole country like a swiss bank.



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December 22, 2016, 03:56:45 PM
 #784

In my opinion, every Bitcoin wallet is like a bank, Bitcoin wallet have security password and 2fa , The price of Bitcoin inside that wallet also change depends on the current price in the market same as your flat money in bank. What i mean is we don't need to have something called bitcoin bank because we already have one if you just notice it.


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Shenzou
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December 22, 2016, 04:14:25 PM
 #785

In my opinion, every Bitcoin wallet is like a bank, Bitcoin wallet have security password and 2fa , The price of Bitcoin inside that wallet also change depends on the current price in the market same as your flat money in bank. What i mean is we don't need to have something called bitcoin bank because we already have one if you just notice it.
It is true that banks are similar in concept , the place where you hold you money, but banks are where money is psychically stored , and wallets are just servers where the data containing your bitcoin information is saved , i think that it is true that there is no need for banks for bitcoin because bitcoin is already digitally stored in wallets.

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December 22, 2016, 04:21:15 PM
 #786

In my opinion, every Bitcoin wallet is like a bank, Bitcoin wallet have security password and 2fa , The price of Bitcoin inside that wallet also change depends on the current price in the market same as your flat money in bank. What i mean is we don't need to have something called bitcoin bank because we already have one if you just notice it.
It is true that banks are similar in concept , the place where you hold you money, but banks are where money is psychically stored , and wallets are just servers where the data containing your bitcoin information is saved , i think that it is true that there is no need for banks for bitcoin because bitcoin is already digitally stored in wallets.
Thats right we dont need bitcoin banks anymore , Bitcoin wallet is good enough to put our bitcoins.

If physical bitcoin bank were putted and we deposited there. It will not be good because i think bitcoin will have tax when you are withdrawing I think.


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December 22, 2016, 04:27:59 PM
 #787

In my opinion, every Bitcoin wallet is like a bank, Bitcoin wallet have security password and 2fa , The price of Bitcoin inside that wallet also change depends on the current price in the market same as your flat money in bank. What i mean is we don't need to have something called bitcoin bank because we already have one if you just notice it.
It is true that banks are similar in concept , the place where you hold you money, but banks are where money is psychically stored , and wallets are just servers where the data containing your bitcoin information is saved , i think that it is true that there is no need for banks for bitcoin because bitcoin is already digitally stored in wallets.
you are right. all bitcoin wallet is created to store that we have to keep it safe. it's just like a bank, the difference is, wallet does not require a complete identity to make it. Well, I agree with bitcoin bank. but, if they provide something useful. the bank made bitcoin, I guess that is the way the world to accept bitcoin.

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December 22, 2016, 05:06:50 PM
 #788

Recently, i often see discussion about Bitcoin Bank. More and more people come here and ask about bitcoin bank & surprisingly i see few user agree with this idea.
So, i would like to find out the percentage of user who agreed with this idea.

Honestly, i think this idea is stupid and worst idea that i've seen in my life. What do you think?
p.s. we don't talk about bitcoin debit card.

Xapo, Coinbase and Circle, they are all "bitcoin banks", if someone doesn't like them, they don't have to use them...
There is a big difference between banks and these virtual banks, from the way I see it banks are just made for fiat and usually take huge taxes when withdrawing or when using a credit card, wallets on the other hand don’t , Xapo for example has no fees when sending bitcoin and it has a credit card that has really reasonable price .
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December 22, 2016, 05:25:10 PM
 #789

Bitcoin bank is a must after the das of getting certain good number of adoption over the entire world nations. So for easy accessing banks have started e-corners, same way if bitcoin bank were implemented it helps in promoting as well helps people who were not much into bitcoin or other digital currency use.



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December 22, 2016, 11:56:30 PM
 #790

So you basically don't know?

From what I read here, lending bitcoins is more like playing Russian roulette. I guess you wouldn't call gambling as a business unless you are a casino owner yourself? If you are a borrower, Bitcoin banks would obviously require real collateral. In this way, on the one hand, borrowers will be discouraged from defaulting on their loans, and, on the other hand, deposits in such banks will be protected by proper collateral. In respect to everybody being be able to learn all they need to know to be independent, most ordinary people can't even install MS Office without help, let alone manage their desktop Bitcoin wallet
It is quite simple. If you are borrowing money to someone and do not get it back and also have no collateral, then you are doing something wrong. You should change something or let it go and stop lending money. Learn or leave eave the business to people who can do it profitable.
And do you really think people are to dumb to install Office? All they need is some proper training. Some are maybe to lazy or whatever, but everybody can learn it. If people have to they manage. If your life depended on the ability to swim, then you would learn it for sure. Were you born with the knowledge how to cross a street or did you first had to learn it? Just like most of us had to learn how to use a bank account, credit cards and stuff like that.

You analyze this situation in isolation

It is not about if people can or cannot learn something (they sure can if properly motivated). The question is basically about choice, not learning as such. If they can use web wallets and they don't need to install some abstract MS Office, the process which they likely don't consider as worth the effort, they will most likely choose the first option. I'm heavily inclined to think that if there were no web wallets, many people wouldn't use Bitcoin at all
For me web wallets and banks are not necessarily the same thing.
Giving people a choice is not always a good idea. We teach our kids math in school, because if given the choice most would rather play outside. But those kids would have a big problem later in life. So sometimes it is ok to force someone to learn something, but this is just my opinion. I think if you ask somebody if he is glad that he was forced to learn math or the use of desktop wallets, then most would agree.

Obviously, we are not talking about kids

But the assumption that giving adult people choice is not always a good idea itself works against your own considerations. First, who is to decide what is best and what is not, what is to be chosen and what is to be abandoned? Second, I could just as well claim that giving people choice in respect to which money to use (fiat or Bitcoin) is a bad idea on its own as well, and they should just stick to fiat (then see first). And last but certainly not least, isn't Bitcoin itself all about having choice?
I feel like a deal with kids all the time in the crypto world.
I imagine that we gave children choices at the beginning, but they fucked it up so bad, that we decided it would be better to give them rules. And what is the best sign that someone has become an adult? They break our rules, because they see a better way that goes against the rules and still decide to break the rule and make a new and better one. In my opinion this is why we call Bitcoin a revolution!

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December 23, 2016, 05:04:51 AM
 #791

No I do not think that we need something like that because of the fact that its something that is not needed for us right now.
I agree with you, I think we do not really need a bitcoin bank dude, because in fact we still can easily store your bitcoin in a wallet and it's much safer than bank and without any control right ?
Correct. The possibility and most probably would happen if there is bitcoin bank will be tax implementation or the final tax that is imposed if you have savings account in a bank and I don't think that it is a good idea. But the good thing is many people will get interested in how bitcoin works.
I dont think people would really like to use bitcoin bank since there are wallets on the net its either on online or offline and putting bitcoin in bank will reveal your identity.Well for some it maybe okay for them since they somehow assure regarding on the security of their bitcoins.
I think we will not know until it happens. I think there's a bitcoin bank, it will not give any damages to you, after all, it's up to you to use it or not it's free
maybe there are some users who prefer to use a bank, yeah who know?

There is already blockchain and other bitcoin wallet providers and we can be our very own bank. But of course there is something new that will banks just to get some clients for their bitcoin bank service. And many will not going to like this service as we know banks are just always charging everything to their customers even those taxes.
One of the avoidable things if we save or transact money thru bank is the different bank charges, and we really hate it. One of the reasons why I do love bitcoin is the less transaction fee and not time consuming. So, I really don't agree with bitcoin bank.

That's why I don't agree with that idea either. I have tested them already for so many years and a lot of things. And one thing is that they aren't helping any single of their clients to grow with their banking service, they just love their customers when they are going to deposit big amount of money but if you are an ordinary depositor, don't expect too much. Bitcoin economy will be destroyed if this happen.



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December 23, 2016, 05:10:50 AM
 #792

Bitcoin bank is a must after the das of getting certain good number of adoption over the entire world nations. So for easy accessing banks have started e-corners, same way if bitcoin bank were implemented it helps in promoting as well helps people who were not much into bitcoin or other digital currency use.

That's the advantage of this idea but we are all going to disagree and no choice at all once this was already adopted because we are now obliged to pay taxes for every service that we are going to use from them. And that what's everyone is subjecting with it but still there are a lot of things to settle before this happen.
yeah , Little bit I am also disagree with it .
First thing of taxation system and second point is that it will destroy the job of Bitcoin trader , who are making buy/sell of Bitcoin at LBC like sites . People will buy Bitcoin directly from Bitcoin bank and also will sell to them . So the trader has no job Sad


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December 23, 2016, 05:15:14 AM
 #793

it is best idea because the newcomers in Bitcoin always need to make the buy and sell simple and easy , for this Bitcoin bank will prove good .
Secondly I think the idea of  Bitcoin bank will make Bitcoin more legalised .

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December 23, 2016, 05:21:14 AM
 #794

it is best idea because the newcomers in Bitcoin always need to make the buy and sell simple and easy , for this Bitcoin bank will prove good .
Secondly I think the idea of  Bitcoin bank will make Bitcoin more legalised .
How can it be the best idea for Newbies? When Bitcoin Wallets itself proved that it is safe to hold your money there. And the idea that Bitcoin will be more legalized because they are banks for them is wrong. Because if it is illegal Banks won't accept it in the first place as for following rules and laws of their country. Also Banks don't buy and sell your currency they hold it and loan it out.

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December 23, 2016, 08:08:08 AM
 #795

it is best idea because the newcomers in Bitcoin always need to make the buy and sell simple and easy , for this Bitcoin bank will prove good .
Secondly I think the idea of  Bitcoin bank will make Bitcoin more legalised .
How can it be the best idea for Newbies? When Bitcoin Wallets itself proved that it is safe to hold your money there. And the idea that Bitcoin will be more legalized because they are banks for them is wrong. Because if it is illegal Banks won't accept it in the first place as for following rules and laws of their country. Also Banks don't buy and sell your currency they hold it and loan it out.
When thinking of bitcoin bank, it is clearly different with banking system in real life where fiat is what we are using, big difference is bitcoin is an anonymous platform but banks are transparent and they required depositors to comply with that is government laws like the KYC and to comply with ALMA.

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December 23, 2016, 08:27:21 AM
 #796

it is best idea because the newcomers in Bitcoin always need to make the buy and sell simple and easy , for this Bitcoin bank will prove good .
Secondly I think the idea of  Bitcoin bank will make Bitcoin more legalised .

What? buying in selling bitcoin is more convenient in exchanges, I couldn't imagine how will a bank function and it's only function is buy and sell and lending bitcoin. Legalization of bitcoin isn't going to happen easy and if it does, it won't be smooth. For sure, along that legalization and banks, regulation will start, which is I think many would not like as it is against the bitcoin's idea.

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December 23, 2016, 10:24:31 AM
 #797

You analyze this situation in isolation

It is not about if people can or cannot learn something (they sure can if properly motivated). The question is basically about choice, not learning as such. If they can use web wallets and they don't need to install some abstract MS Office, the process which they likely don't consider as worth the effort, they will most likely choose the first option. I'm heavily inclined to think that if there were no web wallets, many people wouldn't use Bitcoin at all
For me web wallets and banks are not necessarily the same thing.
Giving people a choice is not always a good idea. We teach our kids math in school, because if given the choice most would rather play outside. But those kids would have a big problem later in life. So sometimes it is ok to force someone to learn something, but this is just my opinion. I think if you ask somebody if he is glad that he was forced to learn math or the use of desktop wallets, then most would agree.

Obviously, we are not talking about kids

But the assumption that giving adult people choice is not always a good idea itself works against your own considerations. First, who is to decide what is best and what is not, what is to be chosen and what is to be abandoned? Second, I could just as well claim that giving people choice in respect to which money to use (fiat or Bitcoin) is a bad idea on its own as well, and they should just stick to fiat (then see first). And last but certainly not least, isn't Bitcoin itself all about having choice?
I feel like a deal with kids all the time in the crypto world.
I imagine that we gave children choices at the beginning, but they fucked it up so bad, that we decided it would be better to give them rules. And what is the best sign that someone has become an adult? They break our rules, because they see a better way that goes against the rules and still decide to break the rule and make a new and better one. In my opinion this is why we call Bitcoin a revolution!

The difference is abysmal

In fact, you may feel whatever you might want to feel, but it doesn't matter. The difference that I'm talking about is that adults bear full responsibility for their actions and the consequences of these actions while kids don't (their parents and legal guardians do). In this way, your reference to Bitcoin users as kids which should be guarded is inconsequential at best. In other words, if you choose to treat these users as kids, you should also accept responsibility for their actions and financial losses incurred therewith

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December 23, 2016, 10:37:29 AM
 #798

no i dont agree with bitcoin bank at all.bitcoins have been made so that there are no banks at all .with banks coming into action there will be political parties involved with it which is not acceptable at all to me .thats y i suggest i don care about bitcoin banks at all.

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December 23, 2016, 10:47:06 AM
 #799

it is best idea because the newcomers in Bitcoin always need to make the buy and sell simple and easy , for this Bitcoin bank will prove good .
Secondly I think the idea of  Bitcoin bank will make Bitcoin more legalised .
How can it be the best idea for Newbies? When Bitcoin Wallets itself proved that it is safe to hold your money there. And the idea that Bitcoin will be more legalized because they are banks for them is wrong. Because if it is illegal Banks won't accept it in the first place as for following rules and laws of their country. Also Banks don't buy and sell your currency they hold it and loan it out.

Because bitcoin banks would most likely be owned by the government and would require some personal details which assures that you can get your money even when you lost your private keys or you encounter problems on your account.

But I really think that a complete newbie should be encouraged to learn how to make your bitcoin wallet safe and not depend on these bitcoin banks. Although they don't exist right now, I'm sure that if someone would create a bitcoin bank, it might run away as well or get hacked once they hold a good amount of bitcoins.

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Senor.Bla
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December 23, 2016, 11:52:20 AM
 #800

You analyze this situation in isolation

It is not about if people can or cannot learn something (they sure can if properly motivated). The question is basically about choice, not learning as such. If they can use web wallets and they don't need to install some abstract MS Office, the process which they likely don't consider as worth the effort, they will most likely choose the first option. I'm heavily inclined to think that if there were no web wallets, many people wouldn't use Bitcoin at all
For me web wallets and banks are not necessarily the same thing.
Giving people a choice is not always a good idea. We teach our kids math in school, because if given the choice most would rather play outside. But those kids would have a big problem later in life. So sometimes it is ok to force someone to learn something, but this is just my opinion. I think if you ask somebody if he is glad that he was forced to learn math or the use of desktop wallets, then most would agree.

Obviously, we are not talking about kids

But the assumption that giving adult people choice is not always a good idea itself works against your own considerations. First, who is to decide what is best and what is not, what is to be chosen and what is to be abandoned? Second, I could just as well claim that giving people choice in respect to which money to use (fiat or Bitcoin) is a bad idea on its own as well, and they should just stick to fiat (then see first). And last but certainly not least, isn't Bitcoin itself all about having choice?
I feel like a deal with kids all the time in the crypto world.
I imagine that we gave children choices at the beginning, but they fucked it up so bad, that we decided it would be better to give them rules. And what is the best sign that someone has become an adult? They break our rules, because they see a better way that goes against the rules and still decide to break the rule and make a new and better one. In my opinion this is why we call Bitcoin a revolution!

The difference is abysmal

In fact, you may feel whatever you might want to feel, but it doesn't matter. The difference that I'm talking about is that adults bear full responsibility for their actions and the consequences of these actions while kids don't (their parents and legal guardians do). In this way, your reference to Bitcoin users as kids which should be guarded is inconsequential at best. In other words, if you choose to treat these users as kids, you should also accept responsibility for their actions and financial losses incurred therewith
Adults bear full responsibility for their actions. How do you become an adult? Over night, just by turning 18. Why not 17 or 19? There is no reason you could present that will be convincing. No biological, no psychological, no whatever. Some are quicker at the point where they could be called responsible, some never. Someone just decided that it should be 18. It is just a rule made by humans and it is not always the right one.
So beside this problem i obviously do not talk about real children. It is more like the children are all the people living in a nation. That does not matter as there are also rules, or call them Law if you prefer that, for adults. Some of them are to protect others, some are rules on how to behave and there are also rules just to protect the individual from making something stupid that would result in unnecessary hardship or worse.
Sure we could give everybody full freedom of choice. In Bitcoin and in life, but for many this would end bad and i am also sure that the first thing that would happen is that we would start to look and use new rules one can live by. This is just a world i do not want to live in.
By the way there are two types of consequences. A direct and natural one. If i cut my finder of, then it is gone and nobody can take the consequences of not having a finger for me. The other one is more complex one. In case some damage is done and it is of financial nature, then a consequence could be to reinstate the damage. This is something that someone could take over and do for you. But it is a common misconception, that parents are financially responsible for the damages there kids have done. This is a complex matter and depends on the law of your country, but unless i support or do not stop the wrong doings of my children i am not responsible for it.


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