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I still don't understand how this could change my life. Most people exchange money through their bank accounts for free with things like the SEPA network.

I browsed through all those web sites and all I see is ways of using the crypto wallets that have to be previously created through various means incompatible with each other. Let's not talk about the "be your own bank" motto which means that you have to secure your own money which is, at least scary for most people, and at most very difficult to do even for people knowledgeable with computers.

Here is something that is revolutionary and actually happened in the past 10 years: *online banks* that have no bricks-and-mortar offices! I created an account in less than 10 minutes, I have a debit card that I can use all over the world, I literally cannot spend more than what I have, and it's still a real bank which means that my account is insured if something bad ever happens. Where is the crypto equivalent?