I don't know a bank's purpose is not only for storing your money but also sharing it to others as it is their form of business. I don't know why Bitcoin Wallets can act as a bank as although it has security features and everything it is still vulnerable to hacks as it only exist virtually. Also when you make all your assets into Bitcoin you are putting yourself in a bad position as you are risking your wealth to volatility which a real bank won't do to your savings.
I don't know what to say, your account say's you been around a long time, but I infer that you have no idea of how BITCOIN works.
I suggest you take the time to develop your own btc-alt-coin and learn how this works under the covers.
"Wallet" is a poor choice of words
There is ONLY cryptography
There is public-key and Private-Key
Your public key is for other people to deposit,
Your private key is for SPENDING, I have said OVER&OVER BITCOIN is for SAVING's
U should be running your own node, your private-keys should be cold stored
Whenever you get a deposit no security risk, nada worry
BUT when you spend, then you talking about 'online wallet' that is risky, they will steal U blind
U talking about an exchange where you pass them your balance, and hope to see its return?? Remember everybody at that exchange that is "SU" can get your private-key ( your money ),
Biggest problem with BITCOIN is nobody knows how it works, or wants to take the time
All the people who have lost money, its because they ENTRUSTED their private keys to another party.
This is like giving car-keys to drunk teenager, would U do this?? Yet people on internet GIVE their private BITCOIN keys to strangers online
INSANE
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By design "SATOSH" the price of BITCOIN will go up, because it is scarce, so an INVESTOR only need to HOLD his BTC an he will earn money in time ( interest ) by inflation, the public demand for a rare item increases value, while the US-DOLLAR goes down cuz GOV priints an infinite amount out of its ass.
So U the rich guy BUYS BTC and holds it for say ten years and it doubles in value, you keep the private key offline written on paper in a safe place, just like combo to old lock on safe.
There is NO risk of losing your money money (BTC)
It's only when you BRING your PRIVATE-KEY and put it out on the internet that you are at risk of losing your money. Or because of your PORN HABIT the key-stroke logger on your computer sends your private key home to VLAD in Russia.
Again most people run python script offline on old laptops NOT connected to internet to generate their private-key, they never let it NEAR a computer running on internet
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I hope something here helps
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All over the world now THERE are "BANK HOLIDAYS' just had one in CYPRUS where all the people at the BANK lost their life-savings NOBODY trusts banks.