You are absolutely right about what bankers have been doing. Saylor actually mentions that problem of gold as well. The word he used is rehypothecation.
Rehypothecation is the practice where banks, brokers, or individuals use collateral that they do not own to help finance assets. Previously pledged collateral is used as collateral for a new loan, creating a leveraging cycle that promotes profitability but increases default risk.
Thank you for listing all the causes for the economic and currency crisis in Turkey. You bring up a good point how such problems actually opened the door for people to learn about crypto and utilize them to preserve their property.