The middleman cryptocurrency takes out is governments – they don't issue the currency. The middleman crypto loans take out is the banks.
source https://www.google.com/url?rct=j&sa=t&url=https://heliolending.com/2019/04/30/why-invest-in-cryptocurrency/&ct=ga&cd=CAIyGmM2Nzk3ODA2ZWViNjVjODI6Y29tOmVuOlVT&usg=AFQjCNFF2crXvuqVZpFxx9RxGVschLQlLg
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