Oh man.
I can’t tell you how much I dislike institutional banks. I bet small community banks in the 1950s were pleasant to deal with. But today? And they are completely and utterly irrelevant now. 

That’s the thing I can’t fathom now. Why anyone would use boomer bank fiat for anything unless forced to 

 Agree, unfortunately for mortgage reasons and some contractors during the Reno they still prefer checks or bank payments 

 Yeah. Bankers prefer bankers. 🙂 
If the average person ever fully grasps the freedom of direct p2p, it’s over for them.