Krystal, your description of BitShares could use some work.
1) BitShares is a DAC that implements a Decentralized Bank and Exchange, pays you 5% return on your USD, Gold, Silver, BTC, Oil, or Gas holdings, and pays your dividends for holding the stock that are earned from transaction fees. You get a higher yield than your bank, don't have to worry about your funds being confiscated, everyone becomes a bank teller, no need for bailouts.