Your questions have sparked an addendum for Honesty Bank's beta phase. I'd ideally like to have a US based bank to save the American people when the economy crashes & hundreds need crypto currency in a rush to save them from a hyperinflating currency. However, the Investor's Meeting may sway the final decision.
Profits can be made on the Steem Dollar's financial instrumentation. If you do not understand how a profit can be made, I'd encourage you to do more research before investing.
RE: Honesty Bank: Steem's New Banking Solution for Viral Mainstream Adoption (Business Plan)