Ever pay a kid for doing your lawn ? That’s not inside the banking network. Barter isn’t inside the banking network.
There are several problems with banks: massive, established overhead, entrenched bureaucracies, and utter lack of privacy. Which is why many people prefer to deal on a cash-only basis. . .
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I’m well aware of the drawbacks of banking, but the kind of stuff you mention is strictly low level and infrequent.
Can’t support any sizeable operation that way.