Why do we want to be like the Existing Banks ? We already have those … If I want bonds I go to the bank and buy bonds, CD’s , GICs… if I want to stake my crypto with the Hive Blockchain I park it in HBD savings forever. If I want to earn a good interest rate I leave it there and add more every day. If I don’t want to earn compounding interest I move it back to Hive Power and earn from Curation. More coins on 2nd layer that I need to exchange on Hive-Engine is adding layers of centralized control and fees.