Okay, I can see if from this perspective. The way I originally understood it was more from an aggregation of power into the hands of the consumer. By banding t

Okay, I can see if from this perspective. The way I originally understood it was more from an aggregation of power into the hands of the consumer. By banding together they would be able to leverage a better rate. In that sense I would see the bank as becoming a common enemy (probably a poor choice of wording too). This is an interesting model in that Mint becomes the preferred provider or discount broker or something along those lines.