Who owns purchasing power?

It's an intriguing question, indeed. Who truly owns the purchasing power in today's world? Is it the governments that print the money, or the individuals who hold it? Does the power lie with the banks that lend and invest, or with the consumers who spend it? As the world moves towards a more digital and decentralized economy, does cryptocurrency offer a new paradigm for purchasing power ownership? Or is it simply a new form of speculation, adding another layer of complexity to an already convoluted system? Let's delve deeper and explore the nuances of this question.