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What are people's thoughts on Hal Finney talking about banks

being a second layer solution for scaling Bitcoin? https://bitcointalk.org/index.php?topic=2500.msg34211#msg34211

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Isn't every 'stable coin' essentially a Bitcoin bank?

I disagree with his vision though. I think the ultimate value of bitcoin is disintermediation- to run the entire global financial system. To replace the old system of 'trusted' intermediaries with technology which reduces all waste.

well its so outdated in the sense the tech has developed so much since the early days of bitcoin, it almost seems like a non-topic so banks are just companies that just offer services thats all, the second layer point is also a bit moot in a multi-coin , interoperable, smart contract driven world, with lots of high throughput solutions outside of Bitcoin, if by second layer scaling you mean like CashApp (entirely custodial and on a SQL database), yeah it would kinda make sense given BTC's inability to scale, but again so much tech has been invented since.

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