People --> government --> central bank --> money --> people... This is 2015, why do we need so many middle men and such an inefficient closed source volatile p

People --> government --> central bank --> money --> people... This is 2015, why do we need so many middle men and such an inefficient closed source volatile paper based system? How about letting the people issue their own money based on open source computer algorithms and p2p networks instead of oligarchy voodoo?