The banks are as crooked as a dogs hind leg, there policy is to get people to just deal in digits, book entries. Once they have everyone frustrated to the point that no one even wants to carry fiat and exchange it in everyday transactions the banks will have us right where they want us fully dependent on them so they get their cut.
Crypto is a major threat to the banks, I look forward to the day I can say adios to fiat & bankers.