Miners are not "responsible" for transmitting my money, that's on me, and I incentivize them. I'm also a miner btw. As I'm my own bank, and nobody elses, I obviously don't take deposits or make loans. I couldn't make "loans" as banks do anyway, as bank loans generate new money, and that's the main reason why I bitcoin. What's coming next, I don't wash cartel money, so I'm not a bank?