Part of the issue is that banks and banking in general is so large and they have so many systems that the vast majority of people have no idea on the big pictur

Part of the issue is that banks and banking in general is so large and they have so many systems that the vast majority of people have no idea on the big picture of how things worked on a more fundamental level. This changed to a large extent when Bitcoin came about and people (technologists especially) began asking what is money and how does it move. The average person still has no idea though.