Sounds pretty cool in theory. But can a new bank like this really make it in today's over-regulated, Wall Street controlled market? Don't get me wrong, I'd lo

Sounds pretty cool in theory. But can a new bank like this really make it in today's over-regulated, Wall Street controlled market? Don't get me wrong, I'd love to see it go somewhere and be available nationwide for people to have a better banking experience. I'm just a bit skeptic.