Have you heard of Dodd-Frank? What makes you so sure your bank won’t use your funds to stay alive?

I don’t think Bitcoin will replace fiat and it doesn’t have to in order for it to be successful. It gives investors/speculators/people a chance to own their own wealth and take part in a free market. It is governed by mathematics and has proven it will have a place in the 21st century.

As far as exchanges, major exchanges have plenty of capital. Your argument insinuates they are on shaky ground which isn’t true. At least they aren’t robbing the masses like Robinhood.

The world is changing faster than ever. Technology is king. Bitcoin combines money and technology. Start to embrace it and learn about it- or join the party later on.