How is it substantially different from the current centralized core where we can also 'run our own bank' if we choose. We can today keep stashes of cash, convert it to real estate, art, precious metals, whatever, as with crypto we can use different wallets, currencies, NFTs, etc. In fact, we can exchange between all these assets - exchange cash for crypto, for art, for real estate, for bank deposits... Just a variety of risk/reward profiles for various situations, with the core being either a government or a herd of developers, whales and miners...