they do not do it because the adoption will speed up faster and they do not combine them and they know that they can not totally prohibit it because all the people would throw themselves into that platform and it would be unstoppable. The banks still cover a lot of space in the world bitcoin does not even have 2% of the money that banks have that still has a long way to go when you have even 5% of what people invest in shares in the stock market of the world bitcoin will be super powerful worldwide a few years for that to happen could start mass adoption for 2020

I think, the government does not endorse bitcoin. Like the price, impact, and other shortcomings of bitcoin. how the government can legalize bitcoin if the government itself cannot control bitcoin. maybe if the government can control bitcoin, bitcoin will be legal because with the government can directly monitor all things about bitcoin. They must be able to realize that the increasing public interest they can use to take part of profits. I think it's only a matter of time for cryptocurrency to be accepted in various countries. But even then I think the physical money we use will not die for the next few decades .