I'm replying here to your other reply (it seems out of place) but I can't do another reply:

Nobody forces you to open a bank account and put more than 100.000 in it.

Yes I am forced. I cannot do any transaction more than a few hundred euros with cash. By law. If I sell my house, I have to go through the bank.

Paypal, visa bla bla are ALSO in the investing business.

They may have some investments but their core business is tx fees and charges.