From the consumer point of view, as a startup bank I think it would be important to guarantee to the users that you'll accept no buyout offers from big banks fo

From the consumer point of view, as a startup bank I think it would be important to guarantee to the users that you'll accept no buyout offers from big banks for 5 years, and then renew that commitment every 5 years or something. It might be a crazy idea and maybe those who don't like big banks just are more vocal about it, but a lot of people are afraid of trusting a new system that can be gone any day or snapped up by a monolith that they were trying to avoid.