Yes, with respect to my country's FMCG business structure, most of the money are going to middleman and the producers and the actual sellers are taking very less profits but the consumers are paying very big prices just due to lots of levels the middle. If the producers are directly able to sell to consumers then consumers will get products at cheaper prices and also the producers will get the maximum benefits.

At the same time we cannot ignore the need of multiple levels of middleman still I believe most of them could be eliminated from the business model. Let us come to the same kind of discussion into crypto level, I believe due to decentralization and when we are transacting without the need of bank I guess I'm going to pay same money but save more from the transaction costs as traditional banking is all about adopting negative interest rate which means their fees for every banking services will be more compared to what are paying right now.