There is a big difference in centralizing the system, which is what banks do by exercising control. They decide so many things, how you keep your money, how money is created and what and how you use your money. Crypterium takes away a lot of that control by putting it in the hands of the user. At the same time, it makes it easier for the normal user to use and store and exchange crypto. Can you imagine how a user that barely knows how to use some wallets cannot go into crypto because they just do not have something simple to use?