Is the only benefit of having/keeping money in a bank - billpay? Sounds like Facebook/Novi are working around the pushback from regulators. Move money instant

Is the only benefit of having/keeping money in a bank - billpay? Sounds like Facebook/Novi are working around the pushback from regulators. Move money instantly with no fees. Novi(Facebook backed) pilot(waitlist) in US and Guatemala. Via USDP Stablecoin. https://www.coindesk.com/policy/2021/10/19/us-lawmakers-push-back-on-facebooks-novi-wallet-launch/ https://www.coindesk.com/policy/2021/10/19/us-lawmakers-push... https://www.crowdfundinsider.com/2021/10/181962-does-novi-cryptocurrency-matter-facebook-rolls-out-pilot-program-for-payments-feature/ https://www.crowdfundinsider.com/2021/10/181962-does-novi-cr...