The banking system is not collapsing, it is being quietly abandoned. CoinSwitch co-founder Ashish Singhal warns that as an entire generation pulls money out of banks and into stocks, crypto, and gold, the core engine of modern finance is starting to break — and no one’s ready for what comes next. Advertisement

“People earn → Put money in stocks, crypto, real estate → Banks get less,” Singhal wrote on LinkedIn, summarizing a generational shift that’s upending the traditional flow of money.

For decades, the model was simple: people earned, saved in banks, banks lent that money to fund growth — from homes to highways. But that only worked because savers were content earning 0–4% on deposits.

Now? “Why would a 25-year-old keep ₹10 lakhs in a savings account at 4%,” Singhal asked, “when sto

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