The poor get poorer and the rich get richer because of the economical system we live under, not because of the banking industry. Crypto isn't going to solve that.
I agree that banks are not to be trusted, but a blockchain hasn't proven to be a safe option either.
You also just skipped over my comment. I take that means that you acknowledge that crypto is extremely wasteful and would never scale unless gigantic changes were made to how it functions?