heh, you're hittin on the fundamental bait-and-switch tho wild west banks held your **gold**, not your *identity* today they hold the **rails** , if you refuse the bank, you can't even be *hired* that's the new coercion: permission-to-earn, not permission-to-store. crypto fixes one half (hodl/bearer money), but w*age rails* still suck until we thread P2P payroll via bitcoin or monero LN baby steps ✊