In Hawaii, the banks aren't allowed to allow customers to conduct transactions in crypto unless the bank holds an equal amount of fiat to the crypto transaction - which is essentially impossible. I've been skirting around this legality with some interesting banking solutions but ultimately, I am waiting for something like this to happen. I keep a tiny balance as a result. On a related note - I recently went to pay off a Capital One credit card $5k balance and incorrectly entered my account number which led to a chargeback - loyal customer of more than a decade, never late payments, paid off my balance in full on a regular basis and made a mistake entering an account number - Capital One flagged my account, closed all five credit cards I had with them, and refused to reopen my accounts - even after I explained and showed how the mistake happened. There's no love from banks or credit cards towards customers - we are just a way for them to make money - which is why we need crypto solutions, not banking solutions. The problem is that we still need the fucking fiat - so we need a way to translate it from crypto - but that problem may not be around for very long.