All hail the protection of the middlemen.
God protect our bankers.
God protect our exchangers and money lenders.
God protect our daytraders and manipulators.
Without them you would have what exactly? A digital coin that only has your own personal value? Great idea!

A digital coin with my personal value and the personal value of other people like me?
Without banks? A coin that I can use to trade with anyone without paying homage or fees to middlemen?
Are you mocking me for this?
Because yes.. that is my desire and my dream.
Why are you here?