He may be right, IF the banks are indeed Banks 2.0. Meaning anonymous entities running trustless ad private protocols on top of Bitcoin. We are almost there except that people forgot about the unregulated and private part it seems 😅. As long as Ark and Spark (or else) don't have blind signatures added on top of it, and the centralized servers are not runned anonymously, then their is no chance that we are not building a fiat 2.0 system, regulated, permissioned, not private, with fractionnal reserves on top of it. Their is only one way IMHO, and we are not currently walking that past sadly. L2 are the way we bring privacy to bitcoin and even now we are starting off on the wrong foot which is a bit concerning...