>And there's a lot of weird hate towards bank on HN. I know they're not great, but it's really not helping the conversation to just say things like "woooo banks are scary!"

Well, in fairness, one of the last times a bunch of banking organizations joined forces on some shiny new innovation was MERS, the Mortgage Electronic Registration System...which facilitated the fraud that helped cause the housing crisis. --------- https://en.wikipedia.org/wiki/Mortgage_Electronic_Registrati...

http://www.ritholtz.com/blog/2013/04/states-fight-back-again...