Banks are hand in hand with each other, they control the finances that the rest of us rely on. A small rise in interest rates on its own will mean nothing to many but it will help cause a knock on effect eventually, people will have less money, bills will not get paid, mortgage payments missed a few months causing default - you get the picture - good credit goes to bad credit and before you know it we are back in a slump once more - only difference is that maybe this time people will not be turning to the banks to help them but cryptocurrancies to help save them