The point of cryptocurrencies is they are robust in the face of malicious action by any individual party. If the United States sank into the Atlantic Ocean, Fil

The point of cryptocurrencies is they are robust in the face of malicious action by any individual party. If the United States sank into the Atlantic Ocean, Filecoin would still work exactly as designed everywhere else. If it were built around a USD bank account, a simple change in the terms of service for the bank could shut the service down completely. Who is the account holder? The Filecoin inventors? What happens if someone blackmails them for the account password? What happens if they die? To build Filecoin on USD you'd have to put all your trust in the Filecoin corporation. The point of cryptocurrencies is you don't have to put your trust in any single entity.