Conservation of Energy in the Digital Realm

If I can transfer a million dollars of value from me to you without an intermediary, I don't need a bank. That means I have transcended the political realm. You're living in a socio-political realm when you deal with fiat currency through banks. Now, how do I vibrate energy through the digital realm without Bitcoin? I have to use a credit card. What does it mean to move a billion dollars from my bank to your bank with a credit card network? Well, it takes 45 days. Maybe I can move the money with a frequency of 6 per year. My frequency is 6. I'm going to lose 15% of the energy. The dissipation of energy is