I dunno, one of the problems with modern banking is that the same account number is used for both incoming and outgoing transfers. That combined with the general lack of security makes it impossible for me to enable someone to put money into my account without also granting them the ability to take money out. Having separate accounts for incoming and outgoing would fix that. Of course, authorizing transactions with digital signatures fixes that too, but having separate accounts makes me feel kinda warm and fuzzy.