Agree 100% just wish I could articulate a response and fluently as you with this post.

I stumbled upon the problems with fractional banking when I signed up for my prepaid no fees credit card from Koho, that’s their selling point remove the double charging since the merchant pays for the service you should not have to and well I stumbled down the rabbit hole untimely concluding fiat is the newest tool in, for lack of a better word, slavery.