Well put. I think people don't understand how many people and systems are involved in making any kind of financial transaction. That it works relatively seamles

Well put. I think people don't understand how many people and systems are involved in making any kind of financial transaction. That it works relatively seamlessly is because there are hundreds of thousands of people, centuries of experience and relationships of trust behind the scenes making sure it's all smooth. Also, I think it pays to keep in mind that 1.7 billion people (according to world bank) are unbanked and have no access to any kind of financial products at all. So for all the age and convenience of the system it's reach is faitly limited.