Not sure this is an aside or not, but I see a lot of big bank versus credit union in the comments, and that's just not really the case here in my opinion. I wo

Not sure this is an aside or not, but I see a lot of big bank versus credit union in the comments, and that's just not really the case here in my opinion. I work for a large regional bank and I see a lot of similarities in this story to my own company, especially in the number of audits being requested and the rules they are having to follow (Bitcoin for one). I'll agree that a large part of the rules we have in place are self inflicted: some we asked for and some we caused in the aftermath of the financial crisis. These constant audits we've been faced with since the 2008 time period just chew up enormous amounts of time that we could better spend with innovattion and making the customer experience better overall. It's really unfortunate that his idea of creating a financial institution with real innovation is being stopped by bureaucracy that is probably 80℅ unnecessary regulation.