A strange post indeed - my head is a little rambly at the moment and likely will last a couple more days til I can shake this flu thing.

If your son ever does become a professional footballer, he is going to want to make sure he really understands finances, otherwise he will end up earning a lot, and having nothing.

Being your own bank will probably only be for the happy few of us

As a bank that lends money etc yes, but as people who manage their own transactions, I think we can all do this to a far greater degree and be better off for it.