I had the same question. I've got a few BQX, but without the 'not yet' universal wallet, I'm still ignorant of its potential. As a prior Steemian mentioned, unless Ethos jumps through the same regulatory hoops as stodgy manipulated Coinbase, how can there be a comparison? I'd not heard anything about fiat to crypto, but if it does, perhaps eventually Ethos can compete. But none of that makes current sense. Although I'm long term bullish on Ethos, this particular assertion is leaky at the moment.