Great, we are turning into the Banking industry: stupid regulation to make big actors bigger and make it almost impossible for newcomers with great ideas. These

Great, we are turning into the Banking industry: stupid regulation to make big actors bigger and make it almost impossible for newcomers with great ideas. These regulation always started with good intentions, but turned out to just add cost for... no value added to the final customer. I can imagine their will be many opportunities for "middleman" services to support these regulations. The days of many free services are numbered.