Aren't transaction fees economic incentives for persons or organizations who run banks that make up the "nodes" of our current network? So everyone is now a ba

Aren't transaction fees economic incentives for persons or organizations who run banks that make up the "nodes" of our current network? So everyone is now a bank? Or rather, anyone can choose to run a bank? But then as time passes some banks will get big, and it becomes impractical for anyone else to choose to run a bank, but now the New Big Banks are not accountable to any government as they (technically) are today... I'm skeptical because I read this and it sounds like using technology to create a system with even less accountability and whose outcomes, however horrific, will be justified by "That's just how the system works; I don't know what to tell you."