> And finally its incredibly US centric, because if it weren't it might have to acknowledge that most of those problems are due to the US banking system, and ot

> And finally its incredibly US centric, because if it weren't it might have to acknowledge that most of those problems are due to the US banking system, and other civilized countries solve them. US banking is probably the most frustrating experience, at least in developed world (to the point that some developing countries have better systems). Probably explains why PayPal and Venmo (which are private enterprises) are popular for consumers while businesses are still relying on checks.