This is a fun thought experiment that I chew on often:

Let's say we all shared one savings account. Everybody piles their cash in. Anybody on the account has access to the dollars but the number goes up because we all accrue interest collectively. Billions and trillions of dollars accrue and we each get interest based on our individual contributions. When loads of people have put in enough, the account reaches an escape velocity where everyone participating has 100% credit worthiness because we participate in a collective system that grows cumulatively, now that provides near perfect collateral where everyone is incentivized to spend less than they earn. After years the interest builds to the point that each contributor can live on interest alone.

This is how I think about BTC. Except there is no risk of debasement, bank runs, confiscation, changing bank regulations. Now each is not only bettering their own life but bettering the lives of others by using less and saving more.

I don't really have a point, it's just a neat way to frame the protocol.