To dismiss something as 'meaningless utopianism' just because it doesn't agree with your personal experience is incredibly naive and shortsighted.
There are plenty of legitimate reasons for wanting a decentralised alternative to banking. Just recently there was an article posted on here about how money is used as a system of control. [0] Even under the best case scenario of well regulated financial institutions in a functioning democracy there is still little recourse/accountability if these institutions or the government decides to freeze your accounts. [1]
There are plenty of legitimate reasons for wanting a decentralised alternative to banking. Just recently there was an article posted on here about how money is used as a system of control. [0] Even under the best case scenario of well regulated financial institutions in a functioning democracy there is still little recourse/accountability if these institutions or the government decides to freeze your accounts. [1]
[0] https://news.ycombinator.com/item?id=21043888 [1] https://news.ycombinator.com/item?id=21044914