agreed. but the decentralized middlemen of banks work. like fedi servers. the centralized middlemen of PayPal, Venmo etc suck but dominate. I just want a protocol to make transferring money work more like fedi than Facebook etc. maybe we weaken the power of credit card companies in the process. and stop empowering sites like Amazon by storing our billing info with them.
crypto is like everybody keeping gold and cash under their mattress.