Why do we need a bank if Satoshi wanted to create a decentralized bankless system!? Bitcoin is meant to be bankless why should we go back to the old days. Creating the central authority to control cryptos is not a good idea. It can be only possible if the bank by itself is decentralized.
Because most people are not ready to separate from the current financial system, in other words, they are not ready to be their own bank. At the same time, various companies see in all of this their opportunity to make money, and they don’t care at all why Satoshi invented Bitcoin. While we all know the saying
"not your keys, not your coins", we also know that it's a big responsibility that many are not up to - people lose Bitcoin every day using desktop, mobile and even hardware wallets - and so for some of them it definitely makes sense that there is a crypto bank.
Of course, I don't like the idea either - BTC has become too centralized in the sense that large quantities are stored on crypto exchanges and custodial wallets - and if we know that they all operate in accordance with the law, that same law could at any time freeze all those funds.