Seriously, go talk to some real people. You're way overestimating the average user. Many of them (cough my family cough) don't know the difference between Windo

Seriously, go talk to some real people. You're way overestimating the average user. Many of them (cough my family cough) don't know the difference between Windows and Office. Many of them don't understand that the internet doesnt consist of that big blue 'e'. Etc. They're not stupid, they just don't care. Most people consider a computer a magic box. To them it's about as mysterious as the internal workings of a processor are to the average programmer. (Explain why you need to increase voltage as a processor shrinks, all other things being equal, for example. hint: it has to do with quantum effects.) Also, banks not only give out the money that you stored, they don't even give it to employees. They invest it in loans and such. -- in other words, they give it to complete strangers who they suspect have a good chance of bringing it back with a bit extra.