This makes me think of ridiculous derivative startups like BankSimple. We've had banks for thousands of years. Why do we need another? Everyone knows Bank of

This makes me think of ridiculous derivative startups like BankSimple. We've had banks for thousands of years. Why do we need another? Everyone knows Bank of America is innovating daily in retail banking, especially in customer service. Plus, think of everything subsistence farmers are doing with Windows Mobile phones! Oh, wait.