The banking system is a massive waste of resources. Both energy and human talent. Why is this never mentioned? And the ROI. Less than 0.2% interest rates fo

The banking system is a massive waste of resources. Both energy and human talent. Why is this never mentioned? And the ROI. Less than 0.2% interest rates for keeping your money in a bank... for the common man. While banks create money out of thin air. We should be happy to get rid of centralized banking. And of course, the federal reserve is a private company. Not owned by the US gov't. Tell me why you want the status quo?