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Do "Crypto-banks" Threaten Hard Money?

Do custodial "crypto-banks" and systems threaten bitcoin's potential as hard money, and the financial stability of nations? Being a banker, having a banking license, or being a financial regulator makes you a great thief. Can blockchains change governance in governments? People are misusing the term "blockchain" to mean "database," and fundamentally their business models are not about decentralisation. The problems in democracy have more to do with voter disenfranchisement and apathy about the blue vs. red Goldman Sachs. These are the questions Andreas Antonopoulos, a technologist and serial entrepreneur, is addressing in this video.
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