I don't think there is a conspiration theory,sometimes we tend to think that that person or instituion have a plan against BTC but often that's not the case,there are banks which fully support these startups and offer nice loans and provide funding so it all comes down to every single bank,not the system as a whole,yeah there are banks which won't fund the startups but fortunately they are the smaller percentage of all of them
yes agree, I think still do not feel any need for that. because still bitcoin has no relation with banks and secondly the users of bitcoin are still very low therefore it is not needed. But I think in future when the users of bitcoin will increase then they can think about that.