you have to understand that these cryptocurrencies are designed in its own nature to be decentralized and to fight against fraud. sure the plbt token may be manipulated by pump and dumps, and this bank brings more transparency to the government and it seems like big banking in the crypto space, but you have to understand all the fear behind this is just a little over board as this polybius need to be seen as a wallet that has many features and services. long story short it a wallet that has multi chain capabilities,dividends on token holders, crypto loans, venture cap in the future. and remember its governed by a reflex economy theory so if the users see bad they stop using or transfer to another wallet and polybius will fall. all users have to do is just sell off its not that crazy , it will make money in a crypto traders eyes and this is disruptive as it is a test pilot to see if this can work. :* love you guys!