the fact remains that they are centralized solutions, they are trusted third parties that have the potential to fail and specifically with banks they use your money to create air, fund wars, make themselves richer and eventually create a bigger gap between rich and poor. Banks every now and again fail, so money transfers are often not finite another downside of the traditional system.
So in terms of this, I see the technology that figured out a way to get rid of a trusted party and maintain a ledger in decentralised fashion, as something banks will longterm struggle to compete with unless the goverments worldwide shut it down. Bitcoin isn't fast enough and 3ven if the Lightning Network ends up offering a second layer solution, there will be better crypto assets out in the future either through sharding or other solutions, that offer fast transactions 1 billion tx per sec + and still be decentralised.
Very few people trust banks, hate bankers, yet people still have their eyes closed for the above tech asbit is difficult to understand and smells of Ponzi to many.
I hope one day people understand that the real ponzi or con is our current financial system.
Well said sir