The difference is that the "early days of banking" were the 1200's CE (and arguably way before then). And even then, it took 800 years to really nail it down an

The difference is that the "early days of banking" were the 1200's CE (and arguably way before then). And even then, it took 800 years to really nail it down and finally get away from fiat currency. For some reasons none of this applies to crypto because reasons that definitely aren't a pump-and-dump.