I think you're heading in the wrong direction. First, I think they are buying these for protection, so they can experiment with blockchain tech and no get sued.

I think you're heading in the wrong direction. First, I think they are buying these for protection, so they can experiment with blockchain tech and no get sued. Second, I think they want this for inter-bank commerce, not for end users. It makes more sense to implement for banks as a way for them to exchange monies between themselves, at least, at first.