The level of incompetence and lack of basic structure and organization at these bitcoin "banks" is just shocking.<p>The biggest hurdle to bitcoin will be finding real brick and mortar "banks" that can reassure people that they understand security beyond trivial platitudes.<p>Few were comfortable with retail banking until Deposit Insurance was created.<p>Bitcoin will need a similar thing. Except nobody can provide insurance to companies built in a couple months by one geek on php.