I'm with you - but here's something that you may be overlooking: 1. New banks and new kinds of banks are forming every day with full rights and accreditations

I'm with you - but here's something that you may be overlooking: 1. New banks and new kinds of banks are forming every day with full rights and accreditations 2. You may not be a bank, but banks have APIs and methods of partnering with them so that you can act like a bank. Sure, you're still to some extent at their behest, but that can be mitigated all sorts of ways. So maybe if you think banks as a whole won't be where we house our money in 50 years, then yeah, let's look at ways that cut those ties. I'm not of that opinion, at all actually, but it is one I can understand. My focus is how to empower individuals and businesses to have the same money transfer power that banks have - and I think I'm getting there.