Paul Volcker (Fed chairman before Alan Greenspan, just died Dec 2019) famously quipped in the aftermath of the financial crisis that "the most important financi

Paul Volcker (Fed chairman before Alan Greenspan, just died Dec 2019) famously quipped in the aftermath of the financial crisis that "the most important financial innovation that I have seen the past 20 years is the automatic teller machine"... https://nypost.com/2009/12/13/the-only-thing-useful-banks-have-invented-in-20-years-is-the-atm/ https://nypost.com/2009/12/13/the-only-thing-useful-banks-ha...