For both these reasons, commercial banks are much more important to the stability of the financial system and the delivery of essential financial services to the economy than any other type of financial institution.
We do not bother to look or even appreciate the intricate designs, security features, nor the vital historical moments captured in our money every time we take out our wallets to pay. But money plays an unquantifiable function outside of its textbook definition as a medium of exchange, unit of account, and store of value.