It makes sense. We're seeing more and more "middle men" being removed from the economy (travel agents, publishers, broadcasters, retailers); banks are about as

It makes sense. We're seeing more and more "middle men" being removed from the economy (travel agents, publishers, broadcasters, retailers); banks are about as pure "middle men" as you can imagine. Whether this is good or bad isn't as relevant as whether or not it's inevitable and, long term, I think it is.