The economy is a giant vending machine and banks are...still banks. Unless you're a bank yourself, you're going to be at the mercy of a bank to get the right kind of bill or token to unlock what's in the machine.
Who benefits from money creation is critical. I've been thinking recently whether banks should be allowed to profit from money creation or if they should only be allowed to create money by giving it out.
Specifically, I was reading about seigniorage reform in this https://www.thestreet.com/economonitor/financial-markets/commercial-bank-money-and-seigniorage-power and this https://sovereignmoney.site/seigniorage-reform-and-plain-money and "Deposit Creating Institutions" that give out rather than lend money