There are two questions. Please choose one to answer. Your answer should be half a page long, single spaced. These are opinion questions so you do not need references, but you are welcome to include them.

Throughout history, people from all cultures have fought for some sort of independence. Decentralization of financial services, namely with cryptocurrencies, is a move toward giving financial users freedom. Your funds are always available, unlike when banks close on Sundays and holidays. There are no fees or transaction limits. The ledger is publicly available and you can verify the entire history. Seemingly, decentralization of financial services is a good thing. Do you think we will ever reach full decentralization of financial services, as in there are no banks or other third party entities? Why or why not? Choose your position and explain your reasoning.