But only banks do this, not Google itself (although I guess they do lend money so maybe?). Ultimately more fiat at the end of the day doesn't matter either - w

But only banks do this, not Google itself (although I guess they do lend money so maybe?). Ultimately more fiat at the end of the day doesn't matter either - what matters are real goods and services produced. Of course, crypto has not been good with respect to this either... Financial services only produce value insomuch as they enable people to access goods and services in the 'real economy'. Houses and cars for consumers, and for those who produce goods/services, capital that enables them to produce, whether that be loans for equipment, salaries, whatever, as long as something comes out at the end that there's somebody willing to buy (and for that to be sustainable, there should be a reason to own it more than selling to somebody else). Money is only useful insomuch as it enables exchange that leads to more real things people want. So there is some value in the exchange of cryptocurrency, if nowhere near enough to justify its valuation - after all, it does enable people to purchase all sorts of illegal drugs, which is a real good people want. Other than that, financial speculation (pretty much every other application we usually see of cryptocurrency) is all well and good, but the question at the end of the day is what's the underlying stuff being speculated upon, and how does it correspond to stuff people actually want? Financial instruments on housing and corn at least have some relation to things people want, after all.