Banks and regulators and Wall Street all think we still need banks. The more you learn about digital assets, the more you learn how obsolete they are. The layers of risk management at these institutions is completely legacy based on flawed assumptions about how lending generates liquidity from over 100 years ago before computers. Compliance is not an issue - the banks of tomorrow are lower risk, lower cost, better service, and matched compliance. Bitcoin and stablecoins and lending platforms is all you need.