For most people this has little value. The centralised banking model is cost efficient and for most people trust isn't an issue. The modern world runs on trust.

For most people this has little value. The centralised banking model is cost efficient and for most people trust isn't an issue. The modern world runs on trust. Also if I want to trade anonymously there is always cash ( as least for now ), which is a simple, well understood, near universally accepted mechanism. There are niches where decentralized banking is useful - but they are niches - and many of them are associated with dubious activity. On top of that the current tech plaforms simply don't scale - the cost of replacing simple trusted parties with technology is huge.