[godot]

It pains me that even on hacker news (a more sophisticated discussion destination than most) most people who are replying didn't read the body of the message and just saw "are there banks/crypto cos immune to bank run" and just blurted out their usual response "no central bank to bail anyone out" or "banks earn money by investing / crypto has no FDIC".

OP is explicitly asking what if banks (tradfi) or crypto cos held assets 1:1 and charged fees as operations rather than invest funds. The question isn't so much around tradfi vs crypto but inclusive of both, that can a bank business sustain this way or not.

I don't have answers but I have a feeling a bank/crypto bank like this would attract far fewer regular customers to be able to sustain running it, like a couple of replies said.

[quickthrower2]

Do manufacturers of rat poison keep their factories free of peanuts, might be an analogous question.

The point being running to crypto because you are scared of a bank run is probably not going to be in your risk profile

[korroziya]

"It pains me that even on hacker news (a more sophisticated discussion destination than most)"

Sophisticated is a weird way to spell pompous.