We'll certainly have Bitcoin banks
its just the obvious ridiculousness of maxis arguing against trusting Uncle Jim or a paid service to run a node for you
but then evangelizing FOR L3 banks run by ...
My best hope for Bitcoin banks that don't give up privacy or rug risk so far is Fedimint. I don't know if they've quite neutralized rug risk but they seem like they may be getting there with some creative methods of blinded federation.