Living without a bank is actually very difficult in the UK. I’ve moved to the “challenger” banks at the moment (they use a different license) but it all depends how self-sufficient you are. If you have shelter and produce your own food, you are half way there. However, if you have a fiat job or a business, a bank is often needed to receive the salary/funds. And as you say, how do you pay utility bills? And what about transport and travel? Then you have those private, self-appointed credit rating agencies like Experian and Equifax. Will take at least 6 years of having no bank accounts to fully opt out of those. Then if you ever want a mortgage and have no credit rating you’re screwed. So much stuff is so heavily intertwined within the fiat system, that developing Bitcoin to break that system is arguably more important than developing for social media. For bitcoin to move beyond being viewed as just an asset, it ultimately has to be accepted as a currency for more and more everyday things.
100% agree with you there