alt Hacker NewsI expressly mentioned Monero, which doesn't have a transparent ledger. It's fungible, like cash. Even Bitcoin is pseudonymous, so definitely has cons in terms of privacy compared to banks, but also benefits. Monero is completely private.
What are the other errors in my critique of banks?
Will you explain how Monero is worse than banks?
You claimed:
>crypto in general is a big improvment on banks
I responded to your claim. If you feel you can defend your claim, go ahead. If your only response is to change the subject, ok. That's your call.