<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>brian_cloutier</author><text>FDIC Insurance, lots of regulation, and criminal liability.</text><parent_chain><item><author>DrJokepu</author><text>While I&apos;m not a big fan of BitCoin, I don&apos;t think this is a very good argument. You could use the same argument for banks and &quot;get robbed&quot;. Why doesn&apos;t this happen to banks?</text></item><item><author>trotsky</author><text>&lt;p&gt;&lt;pre&gt;&lt;code&gt;  1. Start centralized bitcoin depository.
  2. Fail to provide any loss protection.
  3. &quot;get hacked&quot;
  4. Profit.&lt;/code&gt;&lt;/pre&gt;</text></item></parent_chain></comment><story><title>Coinbase (YC S12) seeks to bring Bitcoin to the masses</title><url>https://coinbase.com/</url></story>
<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>fromhet</author><text>The difference between the bitcoin banks/cloud wallets has been that the bitcoin counterparts seldom have any law or big organization to back them but only a few hackers with a bitcoind and a web servers. Some, like the old mybitcoin.com, have been hacked mysteriously with little data released, but only millions of $ worth of bitcoins gone forevermore.</text><parent_chain><item><author>DrJokepu</author><text>While I&apos;m not a big fan of BitCoin, I don&apos;t think this is a very good argument. You could use the same argument for banks and &quot;get robbed&quot;. Why doesn&apos;t this happen to banks?</text></item><item><author>trotsky</author><text>&lt;p&gt;&lt;pre&gt;&lt;code&gt;  1. Start centralized bitcoin depository.
  2. Fail to provide any loss protection.
  3. &quot;get hacked&quot;
  4. Profit.&lt;/code&gt;&lt;/pre&gt;</text></item></parent_chain></comment><story><title>Coinbase (YC S12) seeks to bring Bitcoin to the masses</title><url>https://coinbase.com/</url></story>