> Now, that still leaves open the question of who you can trust. If you can trust a business run by people then that allows you to trust a bank, sure, but it also allows you to trust a tech company

Banks are subject to much stricter regulation than any tech company is or ever will be (IMO, I could end up surprised).

I trust my bank to know who I am and keep track of my money. I trust big tech to lose or misinterpret my data, to close my account for no reason, etc, and to face zero consequences for those failures -- not even fines.