You bring up a valid point @apshamilton.

The barrier that banking provides is thin at best. Yet, the bankers always operate in their own best interest, not the governments. That can be hard to see at times. In fact, if there is anyone taking money out of accounts, the banks prefer to do it as opposed to the government.

It is a rough situation all around. Crypto, if worked enough to flourish, will provide a wonderful alternative for humanity. However, it is not going to happen without the efforts of tens of millions.

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