You got the point but still their are some things unclear. I mean Why the government use our money and impose more and more taxes upon us ? I mean yes they provide services but the way these banks are milking normal peoples is way above normal. With involvement of crypto, Governments sectors and private banks too now panicking and those who joined the decentralize sector just like you mention "Africunia" one I don't know much about, Are the ones who know what the shape of future could be.
I think you didn't get the main idea if how there project is working or what are there fundamentals. Basically they are providing a unique financial system and including a decentralize currency into their system too. this is quite popular among many crypto banking system if you care to search. either they are africunia or Xblock or any other, they all work the same principle.