I disagree that anything crypto-related is similar to https://en.wikipedia.org/wiki/Credit_union https://en.wikipedia.org/wiki/Credit_union (or even useful, for

I disagree that anything crypto-related is similar to https://en.wikipedia.org/wiki/Credit_union https://en.wikipedia.org/wiki/Credit_union (or even useful, for that matter), but yeah, if you want to run your own bank, credit union is IMHO as decentralized as it can ever be.