Despite that i liked your post very much as it's simple, easy to understand and organized.
But in fact i did not like the bank. Since my main reason to join to the cryptocurrencies world is to be free from banks and i always support decentralized networks only. In addition to the aforementioned is I don't support proof stake(POS); it's just like the old story, the rich become richer without effort and the poorer get more poorest with much effort.