my parents bank has paid them basically nothing for 30 years and they never questioned it once

Had this realization over the holidays talking to my dad about money. Hes had money at the same bank for literally 30 years earning what, maybe 0.5% on a good day? Meanwhile that bank has been lending his deposits out at 7-8% and pocketing the spread this entire time and he just accepted it as normal because what alternative did he have.

Now we have bitcoin as an actual alternative to the legacy system and stablecoin yields paying 6-7% for people who want to stay in dollars, and most people still have no idea this stuff exists or dismiss it as scam because media told them crypto is for criminals. The amount of value traditional banks extract from regular people is actually insane when you stop and think about it.

Not saying everyone needs to go full bitcoin maxi but the fact that alternatives to the legacy banking system exist now and are accessible to anyone with internet should be a bigger deal than it is. Our parents generation had no choice but to accept getting screwed by banks. We actually have options.

Anyone else have these conversations with family and just feel like youre speaking different languages?