It's not the 1% that scares me but the people who work for the banks and manipulate the average people, thats what scares me about banks. Sometimes it's not the oppressor that is scary, it's the people who work for them are the scary lot that damage people. I hope that in near future AI takes over and many such banks are replaced with decentralized machines or some sort of the programs that does the heavy lifting. I wonder how this change will take place in this world.