Lee, this article kind of gets me "steemed", pun intended. :)

We supposedly live in a free enterprise system, yet, banks as you pointed out and other financial entities want the "status quo" to remain.

The genie is out of the bottle and due to innovation, there will be future solutions to current problems/challenges. It's the roadblocks that are the most challenging, and one basically has to be patient, aware, and observant. Make moves when opportunities present themselves.

Congrats on your first post. May you continue to post inspiring, informative posts.