I would figure (smaller) banks and payment processors and "common people" could potentially stand to lose. For smaller banks if you assume that an alt coin wou

I would figure (smaller) banks and payment processors and "common people" could potentially stand to lose. For smaller banks if you assume that an alt coin would continue the goals of the FedNow instant payment system that's currently in the works would cut out the banks that currently operate as a payment intermediary [1, "The structural bank disintermediation issue" ] and seems like it could indicate a shift away from fractional reserve money, where the bank could for example hold $2.5 and create $100 in loans, which then increases the power of the central bank. I think in such a scenario people stand to potentially lose out due to a increase in state power that would result. [1]https://www.ecb.europa.eu/pub/pdf/scpwps/ecb.wp2351~c8c18bbd60.en.pdf https://www.ecb.europa.eu/pub/pdf/scpwps/ecb.wp2351~c8c18bbd...