A bank is not a single entity, it's made of people converging after reaching consensus There are a lot of banks, with different interests that usually compete

A bank is not a single entity, it's made of people converging after reaching consensus There are a lot of banks, with different interests that usually compete with each other and work under regulations that have been discussed and approved after reaching consensus There are several different central banks, that work together under regulations discussed and approved because they reached consensus The "decentralised" exchange already exists