Banks are very different from cryptocurrency. The economic value of banks is through loans, not monetary transfer. Through loans, and regulations/backing of a c

Banks are very different from cryptocurrency. The economic value of banks is through loans, not monetary transfer. Through loans, and regulations/backing of a central bank, money is created. This economic effect is what enables economic growth. The money created by banks likely offsets the energy/overhead. https://en.wikipedia.org/wiki/Fractional-reserve_banking https://en.wikipedia.org/wiki/Fractional-reserve_banking