We are witnesses of a huge technology change. Banks are worrying about their future. Every day more people choose to put their money in crypto rather than keeping it on bank loans for 1 % in year. I have read that in 2017 there were 60 -70 % less people who were keeping their money on avings accounts in accordance to 2016. It is just the beginnig on new system which I belive in. It is just a matter of time whef all shitcoins expire and we will have pure crypto services.