Are we forgetting to account for the lack of centralized banking and everything that comes along with it when factoring in the cost of Bitcoin? No need for tell

Are we forgetting to account for the lack of centralized banking and everything that comes along with it when factoring in the cost of Bitcoin? No need for tellers and bank branches, no fiat, all of these things should be included in the comparison, along with tons of stuff I can’t even think of that it takes to run a centralized banking system. Heck just the absence of a federal reserve with the ability to do stupid things to the currency might pay for itself.