Corporations and businesses aren't the only middlemen in traditional finance. The federal reserve, treasury, and/or whatever settlement system (swift), clearinghouses, and networks (visa etc) exist.

As a naive consumer you might not see all the gears but the layers of complexity in traditional finance are vast compared to the bitcoin whitepaper.

I'm still amazed at how deeply this forum of supposed compsci gurus is hoodwinked by groupthink and a few "scam" headlines from info brokers.