This is a tough one....The central bank has a monopoly over the monetary matters of the country. So, many feel that should not be the case as it controls and ebbs the free flow of money. I can understand the ideology but like all great ideas this too will have misuse....I am all for virtual money but money that evades the legal and regulatory framework, i have issues with. So, should i be able to move money freely without Bank's benefiting, maybe yes. But remember it is how business has been done for centuries....Maybe we want to disrupt the system and stop the banks from making money, but eventually even the virtual currencies will become like today's currency. Having worked in Banking, I have seen way too many attempts at tax evasion. Like Ron said in one of his posts, it is all about how much money I can make.....so that is the key here.