Touchè.
As you said banks can be evil but that is not the default
just ask @Caitlin Long
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With any centralized organization, who is running it absolutely matters. I am not interested in discussing specific organizations, but I seem to recall Caitlin Long and her own valiant efforts being treated unfairly by the current system as well.
If you want to dive into the subject, I can merely point you into the direction of the many, many talks from Warren Buffett and Charlie Munger on the challenges and follies financial institutions have with remaining honest in the present system.