this is not in accordance with the main philosophy of crypto. A bank is a service to save money and also loan money without increasing value. if crypto becomes like that, I think it won't be good. because crypto has an investment value that makes it possible to get profits.
It is different from fiat currencies, where cryptocurrency makes it possible to invest, but the increase in crypto is due to the greater number of requests, and many countries have not legalized it. but if all countries have legalized it, are the fluctuations still the way they are today?