Roeroc if I'm understanding you correctly.. And you are saying for example banks or governments can design a crypto / blockchain system that uses current currencies Eg usd and thus no need for btc. the idea is to remove any 3rd party. so a dude in Lithuania can transfer money to a dude in Cambodia without any bank.. Credit card / government involvement this to my understanding is at the crux of the btc story.
I'm not the 1 to be arguing this as I have nfi really.. Someone with more idea will chip in at some point I expect..
gold number banks are service deliverers sure but all about profits.. Any business decisij revolves around that. Not looking after customers.. Imo