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Question: Do you agree with idea "Bitcoin bank" ?
Yes
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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 139499 times)
deisik
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January 01, 2017, 11:36:31 AM
 #861

Bitcoin bank is the most stupidest idea.What purpose would it serve?Storing our bitcoin? but we already have wallets for this.
Giving out loans and pay us interest? but wouldn't that be too risky with bitcoin?

With proper collateral this shouldn't be a big issue

Though I agree that if Bitcoin price was set to rise a few times, say, in a year, the borrower might not want to return the loan since he could probably buy with his now expensive bitcoins twice as much what he pledged as collateral to the bank. On the other hand, in wartime many countries, which are not actively participating in warfare themselves, often loan to belligerent countries, though it is perfectly clear that if a country loses a war, the loan won't be paid back (see Lend-Lease)

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January 01, 2017, 11:42:51 AM
 #862

i'm not sure yet, because no one knows how long life btc , but i hope btc can long life :-)

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January 01, 2017, 11:48:09 AM
 #863

On my personal opinion, the way how bitcoin is stored i dont need a bank to store my BTC, i trust my self more in handling my BTC. for as long as there are exchange website operating to handle BTC transaction i dont need a BTC bank

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January 01, 2017, 12:16:31 PM
 #864

I am fully disagree with the Bitcoin bank idea . Because if it goes successfully comes then it will destroy the job of many bitcoin trader . In my friends circle many of friends who are trader of bitcoin are in fear to loss job .
Because after comes of bitcoin bank people will make buy directly , and bank will make profit .


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January 01, 2017, 01:18:53 PM
 #865

I am fully disagree with the Bitcoin bank idea . Because if it goes successfully comes then it will destroy the job of many bitcoin trader . In my friends circle many of friends who are trader of bitcoin are in fear to loss job .
Because after comes of bitcoin bank people will make buy directly , and bank will make profit .
Don't worry it will not happen, bank is only for people who like to support a centralized system, bitcoin is the complete opposite, so it's close to impossible.

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January 01, 2017, 01:55:32 PM
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This is a non sense idea, bitcoin its decentralized, doing such we will centralize our coins into one single person, that could easy manipulate the trading market and possible kill it, soo without any income from trading people would try to find other ways to get an income with bitcoin. This is something i do hope wont happen, this will destroy the freedom that bitcoin does allow to all, if you searching for interest of your coins try poloniex lending, or lend here with a colateral always rule.


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January 01, 2017, 02:15:52 PM
 #867

I am fully disagree with the Bitcoin bank idea . Because if it goes successfully comes then it will destroy the job of many bitcoin trader . In my friends circle many of friends who are trader of bitcoin are in fear to loss job .
Because after comes of bitcoin bank people will make buy directly , and bank will make profit .
Don't worry it will not happen, bank is only for people who like to support a centralized system, bitcoin is the complete opposite, so it's close to impossible.

Hmm, but it might give bad impact to the bank if all switch using bitcoin. But I can not ensure that everybody will use the bitcoin, because until now the bitcoin only held by individuals and any loss will surely be borne by an individual in which they could not report on the police, because it is bitcoin until now is not an official currency and the police can not restore those funds since the system bitcoin untraceable and taken over
 


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deisik
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January 01, 2017, 02:35:13 PM
 #868

I am fully disagree with the Bitcoin bank idea . Because if it goes successfully comes then it will destroy the job of many bitcoin trader . In my friends circle many of friends who are trader of bitcoin are in fear to loss job .
Because after comes of bitcoin bank people will make buy directly , and bank will make profit .

This is debatable if not outright impossible

Many web wallets are also providing currency exchange operations, but this doesn't make Bitcoin exchanges obsolete in any way. In trading, you sell to and buy from other traders while when you convert currencies in a bank, you are dealing with the bank exclusively. The bank won't sell or buy if it can't guarantee profits to itself, that's why the spreads that the bank sets are simply incomparable with the exchange spreads which can be however small. So I really doubt that your friends are real traders or you didn't think them up at all

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January 01, 2017, 04:17:32 PM
 #869

I am fully disagree with the Bitcoin bank idea . Because if it goes successfully comes then it will destroy the job of many bitcoin trader . In my friends circle many of friends who are trader of bitcoin are in fear to loss job .
Because after comes of bitcoin bank people will make buy directly , and bank will make profit .
Don't worry it will not happen, bank is only for people who like to support a centralized system, bitcoin is the complete opposite, so it's close to impossible.

Hmm, but it might give bad impact to the bank if all switch using bitcoin. But I can not ensure that everybody will use the bitcoin, because until now the bitcoin only held by individuals and any loss will surely be borne by an individual in which they could not report on the police, because it is bitcoin until now is not an official currency and the police can not restore those funds since the system bitcoin untraceable and taken over
 
banks will not accept bitcoin,why?.Because they not control bitcoin,they don't create it,how they can accept something they do not control?
Bitcoin is only one solution to the payment,emphasize "solution".Banks will not accept bitcoin until bitcoin proves value of it
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January 01, 2017, 08:10:32 PM
 #870

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!


What will banks charge for providing Bitcoin accounts? What Bitcoin related services will they be charging fees for? How will banks entice customers to pay the fees for these services? I wrote about this before. They could either charge fees for extra security features (for deposits and perhaps for Bitcoin transactions), or they could guarantee deposits up to certain amounts (the government would have to do this). But this also means that bitcoin accounts will be taxed. And it also means that the accounts can't be anonymous.


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January 02, 2017, 04:31:50 AM
 #871

I am fully disagree with the Bitcoin bank idea . Because if it goes successfully comes then it will destroy the job of many bitcoin trader . In my friends circle many of friends who are trader of bitcoin are in fear to loss job .
Because after comes of bitcoin bank people will make buy directly , and bank will make profit .
Yes I agree with you, I do not see any advantage of bitcoin bank, it is just make some people control bitcoin. The decentralization is good for us. So we don't need bitcoin bank.


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January 02, 2017, 05:07:19 AM
 #872

I am fully disagree with the Bitcoin bank idea . Because if it goes successfully comes then it will destroy the job of many bitcoin trader . In my friends circle many of friends who are trader of bitcoin are in fear to loss job .
Because after comes of bitcoin bank people will make buy directly , and bank will make profit .

This will make more and more ponzi scams, they pretend to offer bank service, but actually it is good for the community, more bank will join the money feast.

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January 02, 2017, 07:48:16 AM
 #873

I am fully disagree with the Bitcoin bank idea . Because if it goes successfully comes then it will destroy the job of many bitcoin trader . In my friends circle many of friends who are trader of bitcoin are in fear to loss job .
Because after comes of bitcoin bank people will make buy directly , and bank will make profit .
I don't think bitcoin trading is a job at all. Once you have all the bitcoins set up, you're going to spend a couple of hour max per week to do bitcoin trading. You just study the graph, hope that you're online by the time of price increase. You literally just press a button to sell/buy bitcoins. I don't think it's a job at all.

I also don't think that the introduction and implementation of bitcoin banks will only allow banks to make profit and the exchangers wouldn't be used at all. Bitcoin banks wouldn't be able to acquire all of the bitcoins in the world, only the coins that their users are going to deposit. Not unless if they're going to fund it and buy bitcoins for their bank.


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deisik
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January 02, 2017, 09:08:26 AM
 #874

I am fully disagree with the Bitcoin bank idea . Because if it goes successfully comes then it will destroy the job of many bitcoin trader . In my friends circle many of friends who are trader of bitcoin are in fear to loss job .
Because after comes of bitcoin bank people will make buy directly , and bank will make profit .
I don't think bitcoin trading is a job at all. Once you have all the bitcoins set up, you're going to spend a couple of hour max per week to do bitcoin trading. You just study the graph, hope that you're online by the time of price increase. You literally just press a button to sell/buy bitcoins. I don't think it's a job at all

I can assure you that trading (and Bitcoin trading is no different in this respect from any other form of trading) doesn't come down to making orders and then waiting a couple of weeks till they get filled. This is also possible, without doubt, but it is surely not the only way of trading. In all the truth, what you assume makes sense only in one very specific case, the case which we see today when the price has been constantly rising. In other cases, this approach won't yield decent results...

If the price is trading sideways, you may have to wait literary months till your order gets executed

tunctioncloud
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January 02, 2017, 09:27:02 AM
 #875

No, I do not agree with that. This has no purpose in Bitcoin, because you don't have to rely on anyone to transfer your money, so the role of the modern bank associated with Visa and so is useless in Bitcoin.

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nostra3
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January 02, 2017, 09:59:46 AM
 #876

No, I do not agree with that. This has no purpose in Bitcoin, because you don't have to rely on anyone to transfer your money, so the role of the modern bank associated with Visa and so is useless in Bitcoin.

I can't agree, although we know bitcoin we cannot still sacrifice using banks. Bitcoin is merely an alternative currency but admit it or not we need fiat to carry our daily activities in life.
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January 02, 2017, 10:38:05 AM
 #877

No, I do not agree with that. This has no purpose in Bitcoin, because you don't have to rely on anyone to transfer your money, so the role of the modern bank associated with Visa and so is useless in Bitcoin.

I can't agree, although we know bitcoin we cannot still sacrifice using banks. Bitcoin is merely an alternative currency but admit it or not we need fiat to carry our daily activities in life.

I never understand why people force themselves to choose between banks or Bitcoin, as both can be used alongside each other without any problems. Bitcoin will be more and more an investment and store of value tool (more than is the case already). Bitcoin as currency for doing your daily shoppings is just not interesting. For that we have fiat as that offers people a far superior payment experience, where people also enjoy insurance on their purchases, etc. Whether people like it or not, fiat will always play a role of importance in our lives.

nara1892
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January 02, 2017, 11:59:09 PM
 #878

I am fully disagree with the Bitcoin bank idea . Because if it goes successfully comes then it will destroy the job of many bitcoin trader . In my friends circle many of friends who are trader of bitcoin are in fear to loss job .
Because after comes of bitcoin bank people will make buy directly , and bank will make profit .
Don't worry it will not happen, bank is only for people who like to support a centralized system, bitcoin is the complete opposite, so it's close to impossible.
I am not really sure whether it will happen or not because there are still many possibilities. but I do not agree to about bitcoin bank because the system will be the same like usual banks even the name is bitcoin bank. besides, why should go to the bank instead of sending/buying bitcoins from your house?
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January 03, 2017, 08:59:44 AM
 #879

I am fully disagree with the Bitcoin bank idea . Because if it goes successfully comes then it will destroy the job of many bitcoin trader . In my friends circle many of friends who are trader of bitcoin are in fear to loss job .
Because after comes of bitcoin bank people will make buy directly , and bank will make profit .
Don't worry it will not happen, bank is only for people who like to support a centralized system, bitcoin is the complete opposite, so it's close to impossible.
I am not really sure whether it will happen or not because there are still many possibilities. but I do not agree to about bitcoin bank because the system will be the same like usual banks even the name is bitcoin bank. besides, why should go to the bank instead of sending/buying bitcoins from your house?
Maybe when it happens, we will be regulated and we have to comply with the rules of the bank when it comes to our investment and deposit. The greatest advantage of using bitcoin will be eliminated, we cannot be anonymous anymore and transactions will never be this cheap as we are currently experiencing.

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Gameroid
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January 03, 2017, 07:01:49 PM
 #880

No, I do not agree with that. This has no purpose in Bitcoin, because you don't have to rely on anyone to transfer your money, so the role of the modern bank associated with Visa and so is useless in Bitcoin.

I can't agree, although we know bitcoin we cannot still sacrifice using banks. Bitcoin is merely an alternative currency but admit it or not we need fiat to carry our daily activities in life.
yes for currently bitcoin is really important for our daily needs, we mostly complete our need using fiat because bitcoin is not available everywhere and the most important is that most of the people have still no knowledge.

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