On 2: No it cannot, but traditional banks are attacked all the time. That didn't stop us from online banking. The role a bank could play is in secure and easy c

On 2: No it cannot, but traditional banks are attacked all the time. That didn't stop us from online banking. The role a bank could play is in secure and easy cryptocurrency. It's similar to keeping stacks of cash at home. It's possible, but maybe mor secure if 3rd party does it. At this point none of the 3rd party exchanges are really reliable.