I think fedimint 1:1 transactions are really great but little worried over reserves, representation, bearer, token, other branding of currency etc operated by individual entities as a reflection of sats. The element of power through centralised individuals, the inability to know the movement of sats (not individuals, just money) removes the ability to fully understand global adoption, dependency of people and stickiness of the money,  which I would think matters as we head towards the goal of a global currency. I think it would be good to have an open mind and anticipate all possible issues that can backfire so that solutions can be found and built ahead of time. 

This is another good piece too by Allen's friend - https://www.axiombtc.capital/banks