For me, this is the problem when we give away too much power and control. Banking is a service that we as customers pay for. We should have choice as to whether to use them or not. That was always the case before the last century. What you exchange your time and energy for should be controlled by you. Money as a bearer instrument makes sense. If you then want to be banked you should then be able to choose to be banked or not(think grandma with her cash under the mattress) and then pay for that service. Banks or governments making decisions for you about your time and energy makes no sense. Let’s not forget that banks and governments are just other people. There’s no need to elevate them to god like status where they dictate how we live. This is the point of freedom and free markets. For convenience, people are prepared to give up too much. Hate to be that guy, but bitcoin does fix this. And if not bitcoin, the same principles are still relevant.