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 I agree, and I think Hal was right that there will be banks.  Hal was early and probably would have refined his ideas with the advent of liquid, lightning, mints, etc.   If they day ever comes that I have BTC in a bank, them creating there own currency that is not 1:1 sats will be the day I start the bank run😎 
 Yea I’m not meaning that whatever Hal said here should be set in stone as gospel, but merely that it’s not a new topic and Saylor’s ideas probably aren’t all that novel about it. I won’t be depositing my sats anywhere either, for what it’s worth. Recent history has shown all too clearly the risks of chasing yield.