The "legacy banking system" you are referring to is probably something similar to the ECB or the FED. Only 13% of the world population live under a stable financial system or democracy. So please check your financial privilege.
But if you're worried about people's privilege you're missing the point and thats what makes you wrong, because nobody with any intelligence responds to 'check your privilege' with anything but derision. focus on the argument with your own logical persuasive argument instead of accusing your opponent of some sort of original sin.
shouting "check your privilege" at the end of a crypto argument isn't checkmate, rather it reduces your argument to one of nonsense. Discuss ideas.