There are local communities around the world that run their own credit lines for exchange of goods outside of the banking system, so it's not that Offset is enabling something that isn't happening already. Maybe the software is more convenient but is it any more different? I'm trying to understand. My question is what's preventing few people accumulating trust and credit lines and eventually becoming bankers for this system? Everybody needs bread, but those that sell bread don't need javascript applications, so there has to be a middle man even in this system for me to buy bread. The current banking system exists because it has established credit lines with goods that are almost impossible to acquire without a middleman, like petroleum, electricity, infrastructure.