could it be the bank employees themselves uses cryptocurrency but prevent others to do so to control the market? In my friends case, they charge a heavy tax if we want to use the local currencies to buy btc or drawing out btc for local currencies
I think it's their way of controlling people. Because if everyone is using cryptocurrencies and no one is using money from the banks, how are they going to make money then?
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I think the higher ups at the bank just want to slow down the rate of cryptocurrencies' expansion.