short answer not. banks in fractional reserves make money for the commission of lending,if your account get more interest this year this means they also lend to more interest. yes isn't 100 but chase bank and citi bank is here for 200 YEARS. short answer no it isn't, i don't like the banking system but that doesn't mean is pyramid scheme.

does crypto is inescapable pyramid scheme, no. even when the landscape is full of scam it doesn't mean that stripe or bitwage or usdt who pay you in crypto to easy international transfer process, they make small cut in the transaction like any other transfers company, for the contrast the number of companies whose only proposition ins the pump and dump the value of their virtual games from shinucrypto to literal ponzi scheme like bitconect. i wish you understand what i say, i will clarify what i say if you need, English inst my first langues