I’ve always wondered, if one buys, lends and sells their own commodities, aren’t they performing “banking”? Seems like if I were a government, I would want to c

I’ve always wondered, if one buys, lends and sells their own commodities, aren’t they performing “banking”? Seems like if I were a government, I would want to centralize that behavior and limit it. But if I was an individual, I would want to maximize it.