Yeah I wish we could do without a bank in modern life. When bitcoin first began I was really in support of it because I saw potential in freeing us from the dark stranglehold of the banking industry. Everyone just manages their own digital money.

But nope the cryptobros just turned it into another pyramid speculation scheme and the governments ruined the customer independence with their KYC stuff. Now it's just an online version of the old system where the exchanges are the new banks.