How about things like decentralized finance? Stablecoins like USDC that are pegged 1:1 with the USD enable “wire transfers” with tiny fees compared to what ban

How about things like decentralized finance? Stablecoins like USDC that are pegged 1:1 with the USD enable “wire transfers” with tiny fees compared to what banks charge. I can picture this for other parts of banking that are so dated - escrow, checking accounts, collecting debit payments (lots of Internet companies won’t host sex workers because of puritanical terms from credit card processors for example)