> If I hold an account at a bank, I'll use their stellard, and exchange credit issued by them. I've already trusted the bank to hold all my money, so I'm not re

> If I hold an account at a bank, I'll use their stellard, and exchange credit issued by them. I've already trusted the bank to hold all my money, so I'm not really taking on any new risk by also trusting them to run stellard. I'd trust USTreasury!USD over WellsFargo!USD any day. Since the US government is the actual issuer of the currency in the first place, and the institution which guarantees it as legal tender for all debts.