What is it what is it?
Definitely not bank regulators and auditors. It takes hundreds or thousands of man hours to audit the financials of a single bank. And hundreds of thousands more to audit the trustworthiness and stability of a single bank. There are many banks. Oh the lives wasted.
It takes us a few key strokes to audit the entire blockchain and we know every ten minutes the most up to date and trusted state of the entire blockchain.
Banks tech is terrible. There is no way for them to catch up.
