How can blockchain and cryptocurrencies lower the interest rates on banks - An idea

Hey guys,

So I have been thinking lately why crypto people seem to be so anti-banking? The answer is easy, because banks kind of are the root of the financial problems of people. They are without a doubt the strongest institutions there, sometimes even more powerful than governments!

So I have been thinking if somehow we can jse the power of blockchain and crypto to try and balnce this power. I know crypto in general alreay is doing this but we can further enhance this attempt.

So my idea was to create a cryptocurrency called SCOREB - Score Benefits. I even wrote a whitepaper on it with the help of a team I gathered. The idea our idea was this: our token would be used to ease and lower the interest rates of the banks around the world, however it would also make banks more engaged with blockchain and crypto.

People who would buy the tokens in the ICO and then our team would try and establish partnerships with banks around the world which woud make these tokens usable.

Putting it simple it would be like this:

The person who owns the tokens on the time of taking a loan would use these tokens to have a lower interest rate on his loan. Lets say on a 1000$ dollar loan the interest is 50$. By using the SCOREb tokens, lets say 1000units , calculating their price 0.01 $, the client would pay an interest of only 40$, or he or she could choose to hold the tokens in a hope that the value would increase. But in case of a usage the client would have to pay less interest, calculating that he bought the tokens on a lower price, and also the bank would
Immediately recover 20% of their interest. It would be a win- win situation.

After the bank would take these tokens, the tokens would be redistributed by banks, to the clients that would accept them. For example again on a case of a loan of 1000$, the bank would give the client 1000$ units as a reward for choosing the services of that particular bank.

You might ask what if the client takes the tokens from one bank and then sends them to another bank? Well, is that even an issue? This only would make all the banks more vulnerable to accept these tokens, as they would attract more costumers. This kind of usage would suggest a continuous increase of the value of the token, but also make it more affordable for people to apply for loans

Blockchain and crypto to save the world!!