What is this thing you call 'banking' and 'finance'? I suppose some pretend money is better than other pretend money, especially if you are close to the money fountain and have a big sack to stuff it into.

The entire point of this excercise is to not have banking and finance. Those who listen to middlemen who 'want to hold your wallet' will learn the same lesson over and over. Every centralized exchange will collapse or 'be hacked', as the founders like to call taking your money and moving it elsewhere.