Benefits of Cryptocurrencies and Blockchain Include All of the Following

Benefits of cryptocurrencies and blockchain include all of the following EXCEPT:

A) Business or individuals can create financial agreements without relying on banks.
B) Business or individuals can make financial transactions without relying on banks.
C) Transactions among businesses or individuals will have to know each other to make financial agreements.
D) Transaction costs among all of the participants in the economy can be reduced.
E) Rating agencies and government bodies will not be necessary to verify identity, establish trust, or perform the critical business logic.