@phnt @kaia @mangeurdenuage
Yeah cryptocurrency so far looks like a non-starter as an actual alternative because you still effectively end up with exchange points (banks original form) due to the stupid amount of different cryptocurrencies.
And their fees are stupidly high you might as well pay the 1€ extortion that your bank has (luckily mine hasn't pulled that crap for SMS-2FA).

Pretty much why so far it's mostly been used for grey/black market kind of stuff as for them the only other way is cash.