I think it makes perfect sense that the banks should get into data analytics and issue credit if they can also issue debt. Personally, I cannot stand banks and their fees, which I liken to legalized robbery. Ideally I would love to live off alt coins and convert to fiat when I need to make purchases. I dream about buying a sizable piece of property with BTC (or STEEM???). I'm partial to bartering for goods and services where credit may not be necessary too. I wonder if that will also have a renaissance?