In traditional banking systems you are using bank apps to change the ownership of an asset, with numbers representing its quantity. In the cryptocurrency systems you're updating logs of pyramid-style schemes by changing numbers. There's no asset involved. Thinking that an activity log of a pyramid scheme is an alternative to an asset is craziness of a high order.
You seem to be confused BANKS are the pyramid scheme.
Banks can and frequently do use fractional reserve banking:
https://www.investopedia.com/terms/f/fractionalreservebanking.aspYou can't do that with crypto, you can't send or use what you don't have.
If you hate crypto so much, why don't you leave? Or is this the only joy you get while being a troll living in your moms basement.
-Dave