Now is the time when the bank industry should adopt digital currency. If they won't, they will miss the train and then they start to regulate crypto currencies in a way we don't want to. We have to understand, that the bank sector is very bound to our governments. So does any government want that it's people have a currency that they can't regulate somehow, i don't think so. Blockchain technology and crypto currencies will be a vessel for world democracy, but there is a lot of fences on the way.