Sounds like kind of a nightmare. But on the other hand, a depository bank / credit union is a tough area to try to innovate. It's not like a hedge fund, where a

Sounds like kind of a nightmare. But on the other hand, a depository bank / credit union is a tough area to try to innovate. It's not like a hedge fund, where all the participants have to be wealthy enough in the first place to take the risk that it goes south. I wish there were a better answer, but I want both innovation and a high degree of safety.