"In 2025, U.S. banks generated roughly $434 billion in net interest income, or about $1,670 per adult, according to research from River. The mechanism is straightforward: banks take customer deposits, lend or invest those funds at higher rates, and return only a fraction of the yield to depositors."
"When your bank pays 0.1% but inflation runs several percentage points higher, the result is not just stagnation - it's erosion. Quietly, consistently, and at scale, savers are losing purchasing power annually."
"For many, the issue is no longer just access to financial services, but whether those services are aligned with their long-term interests at all. This dynamic helps explain why alternative systems - particularly Bitcoin - continue to resonate."
"What began as democratization has, in many cases, turned into monetization of user behavior. Investment platforms now promote memecoins, leveraged derivatives, and even sports betting-style features."
In 2025, U.S. banks generated $434 billion in net interest income, primarily by taking deposits and lending at higher rates. Most savings accounts offer minimal interest, leading to a loss of purchasing power for savers due to persistent inflation. This situation has driven interest in alternatives like Bitcoin, as many question the alignment of traditional financial services with their long-term interests. The fintech sector, initially seen as a corrective force, now faces challenges as it shifts from democratization to monetization of user behavior.
Read at Bitcoin Magazine
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