Banks are the most immune to disruption, because they function so closely with government, and they are nothing without the blessing of government. And the hurd

Banks are the most immune to disruption, because they function so closely with government, and they are nothing without the blessing of government. And the hurdles to create your own bank are very high. Check out this great Netflix documentary "Bank of Dave": A moderately successful businessman decided to start his own bank, just to see if it could be done (and to lower fees for his local community). The results are... pretty much what you'd expect. "You can't start a bank... nobody starts a BANK!" (They just kinda... have always existed!)