The change will come from freedom from banks and institutions that charge fees for accounts and charge for basic services, for instance, if you want to send money to a family member or friend you should be able to with little to no fees. It's your money which you've earned and already paid taxes on, you should be able to send it to whomever you want without paying some one else to do it. the more the middle entity is removed the more freedom we all will have
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