A good question is how does this get fixed? Why are we still tied down to this arcane system that has been finely tuned to exploit it's own customers? Why is it

A good question is how does this get fixed? Why are we still tied down to this arcane system that has been finely tuned to exploit it's own customers? Why is it so hard to start an honest bank? Seriously, how do we start non-exploitative banks? I would love to write software that helped make it happen.