That's the status quo. A handful of entrenched banks consume all the data and share with state officials when asked (and increasingly advertisers). In return, e

That's the status quo. A handful of entrenched banks consume all the data and share with state officials when asked (and increasingly advertisers). In return, every 10 years or so, there is a big bank bailout. If they get in trouble trillions in newly created dollars are used to buy assets the banks hold on their balance sheet to avoid a panic.