I've had the worst experiences with banks. I can't wait until I can just do all of my transactions through my own secure wallets. It's pretty unclear at this point I think what value central banks actually provide. I imagine decentralized lending is not too far in the future.

I'm lucky enough to have an economics degree, but most people that I talk to trust banks implicitly, pay the absurd fees, and have nearly 0 information about wealth mechanisms.