What your describing is just a different, more local form of centralisation. If your bank manager gets to refuse to give you your money, he has all the power. T

What your describing is just a different, more local form of centralisation. If your bank manager gets to refuse to give you your money, he has all the power. That's very very centralised, even if it's centralised in him, not in a CEO or a president. I have 4 accounts at 4 different banks. If one of them refused to hand the cash over, even without any redress, I have 3 other accounts to fall back on. So my life is much less centralised than Wild West Bill. The same applies to almost all elements of life. Back in the wild west, no one would date you if you didn't go to church. The priest literally had centralised power to refuse you a partner (and God help you if you were gay or the wrong colour or from a "bad" family). Today no one knows or cares. Very very decentralized. Ditto employment or housing or crime and punishment.