So there are lots of improvements possible, but BTC and some other major cryptocurrencies are the only hope that ethnic minority groups have.
No matter how hard we push to make banks treat people fairly, it doesn't work. It never has. All they have to do is teeter on the edge of recession and our leaders cave and send shovelfuls of taxpayer money their way.
We have to make them obsolete, so they lose their power to pick winners and losers