I would even argue that cryptocurrencies are worse than banks. They are unregulated and some politicians believe wrongly it is good. That is the worst possible

I would even argue that cryptocurrencies are worse than banks. They are unregulated and some politicians believe wrongly it is good. That is the worst possible combination? By design cryptocurrencies make rich people richer. Either they buy more graphics-cards or disks or just steal processor power (a reminder: JavaScript in your browser can mine for others). The attempt with disk space make it even worse (Who had that idea? A drive manufacturer envy on Nvidia/AMD?). In the meanwhile electricity is wasted. And criminals love it. There was never a chance that Bitcoin would improve anything. At least cash is anonymous and doesn’t need an internet connection. btw. Good news? Yes! Real time transfer (SEPA) will likely soon not cost more than regular transfer in the EU. Good banks already don’t charge that. And it is a common federated standard. It is more complicated than forcing everyone to be a customer of one bank (named PayPal) but already works well for years.