People move money from small banks to big ones to reduce risk of losing funds when small bank bankrupts.

Why not move it to the biggest bank of them all then? Bank that will never fail, saftey of all deposits guaranteed by the State. It will reduce complexity, remove middle-man's, limits fees and transaction costs...

... Oh wait ... is that CBDC?

Brace yourseld. Dark age of total money control is coming.

"Through pain and suffering, you will learn, that Bitcoin is your Savior." -- Book of Satoshi, 24:13