Do not act in the interest of people? You are completely wrong. If that is the case, then banks should not be used by majority of the people. Do your research.
You can do that without the service of bank. That's why we have cryptos.
The fiat system will no longer exist with the system base on debt, developed countries are technically in bankruptcy a nation cannot be sustainable with a system base on debt.
Looks like you really don't understand the cases before that will be implemented. Sorry to say but it's unrealistic.
To make my statement short, sometimes too much obsessed in cryptocurrencies leads into unrealistic thinking without a good basis. Im a crypto enthuasists but no to the point that I will throw away some good facts.