Nobody forces you to open a bank account and put more than 100.000 in it. even if you say that opening a bank account is obligatory youc an still diversify. you have no argument here. jus let it go.
The difference between those countries is that they produce shit. is that simple really. they make money go round and round.
Paypa, visa bla bla are ALSO in the investing business. their front is fee transaction. also these companies have aquired other companies and can as well provide services like coinbase. they can diversify if they want. no problem. they are massive.
I am not saying that what they do is not useless. what i am saying is that only a fraction of these companies dealing FIAT can go kaput. the rest can adopt as they have always done so.
i don't see you having any argument. i don't even get where this conversation is going.