Bitcoin banks can be full-reserve. Meaning that savings and loans are maturity matched. So if the bank wants to give someone a 2yr loan they have to find a save

Bitcoin banks can be full-reserve. Meaning that savings and loans are maturity matched. So if the bank wants to give someone a 2yr loan they have to find a saver willing to make a 2yr deposit. Demand savings accounts would have negative interest, meaning you would pay to have a regular savings account that you could access any time.