Don't hate on me. I didn't make it.

I agree it's supposed to eliminate the central banks.

And he never said it wasn't meant to be sent peer-to-peer as you suggest.

In my opinion banks (middlemen) are not the problem.

The problem is central banks given the license to print money.

Saylor cannot print bitcoin - nor can Jamie Dimon.

If people are okay with the counterparty risk, that's their freedom.

And realistically - the majority of people who are walking the earth do not want that responsibility.

Sad but true.

And most people holding their own keys would be more of a risk than a bitcoin bank rugging them. 

 Dude I’m not hating on you😂.
I totally agree with what you have said. 
My meaning of middleman was rent seeking business. 
I never said banks won’t be there but I’m saying that every individual, corporation, ETF provider and banks should have power to hold their own keys rather than trusting a custodian like Coinbase who will eventually bend their knees to US government.