People, especially in HIVE, deride the Chinese fintech scene because "It's coming for muh libertehs!" But I, quite frankly, love it because I just have so much more free time due to the fact I do have to deal with Big Banks less and less. These days, my money is "liberated" from the Big 4 banks in China and the Bank of America level big boys in the US, where I only have to keep a minimum of cash in there in order to avoid fees. Unfortunately, that is like $1500 for new accounts, which proves my point!