Provides anyone who has an internet access with the ultimate savings vehicle and ability to transact worldwide.
Banks do that.
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No, they don't. They only provide people with debt claims that loose their relative value over time.
That's just the same thing but framed negatively with bias.
Banks literally do that.
1. Savings account
2. Ability to transact
Banks objectively do these 2 things.
Please at least try to be rational a little bit.