By "fraudulent roots", I'm talking about Wisselbank in the 1600s. >> Providing liquidity and assuming risks are actual valuable Liquidity is another name for

By "fraudulent roots", I'm talking about Wisselbank in the 1600s. >> Providing liquidity and assuming risks are actual valuable Liquidity is another name for creating measures of value. A bank is a group of people that have magic wands to create these measures. The magic wand becomes less magical with defaulted loans - this is the risk that you mention. Banks used to also provide a safe way to store things (vaults and so on). Now, a bank is a centralized database + magic wand. In any case, it seems you are convinced that the current system is optimal and cannot be improved. I'm less convinced but that's fine. I encourage you to free your mind a bit. The first step is to use language that triggers no emotional responses. For example, "organization" is a set of people - nothing more. Money (massive emotional trigger) is a measure of value. If you know how to code, I encourage you to implement Bitcoin from the whitepaper (or just read it - it is very simple). This helped me infinitely more than listening to various Bitcoin maximalists/minimalists on YouTube. This understanding hasn't motivated me to own any crypto of any kind thus far however.