RE: Congress makes it illegal to hold treasury of Digital Currencies outside a bank without informing them in writing !!!!
If you read the first portion of the linked page, you'll see that the bill has only been introduced, and has past neither the house nor the senate. I would expect a tremendous amount of push-back from cellular carriers, as pre-paid phones are a huge source of revenue for many of them.
De-centralization is a threat, and it's working.