Shoutout from Canada! There are 32M of us, 88% of whom have internet. Our banks are archaic and expensive, and as a people, we have a low tolerance for that. My

Shoutout from Canada! There are 32M of us, 88% of whom have internet. Our banks are archaic and expensive, and as a people, we have a low tolerance for that. My current bank actually believes that the telephony system is secure, compared to email :/ Our banking laws are favorable to startups; I could start my own bank, if I wanted to, for little more than the cost of a business license. Many merchants run their own little micro-banks, partly because of the aforementioned problem. Please help :)