I think the network issues you mentioned are relatively simple engineering issue, you can easily hire and delegate. Banks have the issue with delegating power

I think the network issues you mentioned are relatively simple engineering issue, you can easily hire and delegate. Banks have the issue with delegating power to give you money. From a distance I'd guess there is a real advantage to businesses of local banks and being able to work on personal relationships. You never have a relationship with a big company, you are just an entry in a database interacting with an algorithm.