It is true that cash transfers may be expensive and time consuming, but banks should not charge this fee in the first place because the amount of money the bank charges for a loan depends on how much money people want to save.

Well, continuing from the topic of conversation above, I think Bitcoin has been used by many consumers because it eliminates the need to have a credit card. Instead, linking your bank account information directly to your Bitcoin wallet, this allows us to bypass middlemen and make transactions without involving large financial institutions.

While this is certainly a positive step in the right direction, the cash market benefits borrowers at the expense of borrowers.