If anything I think it would go in the opposite direction, freeing people to do things on their own time, and not the banks'. Available when when people need th

If anything I think it would go in the opposite direction, freeing people to do things on their own time, and not the banks'. Available when when people need them to be, not when the institutions want to be, but that would require effort on their part and maybe cost them a few basis points in profit.