[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.)