That's true, but you appear to imply that it's fundamentally bad. Not necessarily and a lot has been done to smooth the path - and lower the fees - for financi

That's true, but you appear to imply that it's fundamentally bad. Not necessarily and a lot has been done to smooth the path - and lower the fees - for financial transactions. Mobile money in Africa (where you once, not that long ago, had to entrust an envelope with cash to a bus driver, hoping that it arrives at the intended destination) is a good example. But I think that "helping the underbanked" is a smokescreen anyway. Just like "Bringing internet to the poor", via internet.org, is a smokescreen for the underhanded tactic of smuggling zero routing into the very fabric of internet usage in poor countries and making Facebook (and their approved partners) == Internet. There's never anything altruistic in whatever Facebook does. It's about accumulation of ever more power, money and data. And you just need to look at their short history for the proof in the pudding.