If Banks disappear tomorrow who are you going to go to to get a personal loan to buy a car, a mortgage, start a business etc ??
You might not like them but they play a key piece that we still need.
Craig
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we do not need anymore, anyone can give credit to someone else through SmartContrast
Also, You can examine these;
https://crypterium.io/
https://bankex.com/
https://trade.io/
and https://ripiocredit.network/