I guess there could be two sides to this argument. If Bitcoin becomes the main currency for everyone and there are "Bitcoin banks" popping up, there would be a need for people to take out loans of some sort to start up businesses and that sort of thing. There is always sims type of need for loans, and therefore a market to make you and the bank that 10%.
Then you also have to look at the purpose of why Bitcoin was created. To stay away from the banks and become your own bank. Central banks can't just print away bitcoins which makes them valuable. So in order for someone to take out a loan, there would need to be a very direct plan of making substantial amount of profits.

Hard decision, but I know if the opportunity presented itself in the future my answer will still be no.

I get it but my money has been safe in a bank for years whereas anyone in bitcoin looking to give you interest on a btc deposit has pretty much been a knave.  Yes I see the things you said but in the us for example the bailouts are the reason why your money is still safe in the bank.

But I could be totally wrong and I've been called naive before.

Nope, you cannot trust anything. Banks are a no no.

People are not aware how rotten banks really are. Banks were originally created to help people mange their money or give credits.
Now it is more like they are here to leech out our money above all else. I don't keep my money in a bank and won't store (if that was possible) my bitcoins in a bank either.

I can get bigger interests investing BTC by myself. Even with fiat, in the correct investments.

Why should I do it?

Now you are comparing bitcoin interest to keeping fiat safe. That is not a correct comparison.
The interest you got in the bank is not even worth mentioning at the moment, inflation is even higher and also any taxes you have to pay over your wealth will top this easily..

If i would trust that Bank enough and if i have coins i could afford to lose, i would invest there. PPl should understand that putting money (fiat, bitcoin, gold or anything of value) in to bank is investment, and moment you send money there, it is not yours money anymore. If you dont have keys of vault (physical or digital no matter) it is not yours what is inside. From perspective of average Joe, life is a Casino lol.

only if they had insurance against anything, so my money are fully covered from hacker, server problem, the usual "we lost our backup" and shit like that

otherwise no, and i would prefer if my money were not freezed in the meantime while i'm earning this interest, i hate that shit...

But do they offer a 10% interest rate? That is the part in worried about. 2% or something seems viable in current economy, but 10% is just waaay too high and sounds too good to be true.

What type of bank are we talking? Maybe if they had a location and
I could actually go in and meet the people doing it etc. Which kind
of goes against what bitcoin is about.

But definitely no random bank on some website operated out of the
costa rica (some dudes basement who knows how to design a website)