sure, you only really need banks when you have to borrow money, since you can’t just create new money by yourself to cover real world debts, only a legal bank can do that, create money out of thin air by just writing you a check. They can still be a good place to safely stash some cash, though they don’t reward interest anymore, still they can also process your monthly payments on stuff, but that’s just a convenience.

so, clearly I have missed entirely the thrust of this blockchain article and I apologize. Because they look fraught with perils from the unscrupulous