[nmrm]

Strawman.

I'm not advocating for large banks, and even specifically mention non-bank fiat->fiat cash transfer companies as a viable and even more likely alternative to BTC.

> There is no reason why banks cannot use BTC

Yes! Exactly! Bad Things Done By Banks is only an accidental benefit of BTC.

If BTC becomes regulated and banks are the better equipped to deal with these regulations, then BTC becomes dominated by banks or de jure criminals.

Financial scandals and banking reform are primarily a social and legal problem, and cannot be solved by technology.

[opinologo]

>>Financial scandals and banking reform are primarily a social and legal problem, and cannot be solved by technology.

Disagreed, it should be solved/prevented by regulations / laws but it wasn't. BTC don't need regulations.

[nmrm]

> BTC don't need regulations.

Yes, it does. For the same reason that any other mechanism for transferring arbitrary sums of money across international borders needs regulation.

(It's also worth mentioning that I "bank", even international, with a small local credit union. So your choice between huge abusive banks and BTC is false.)