Thank you -- I see a lot of people thinking 'banking' is all about your personal small loan from the neighborhood bank. That's like a tiny slice of the tip of the iceberg.

Most banking takes place in volume, it is done through personal contacts, and it requires substantial knowledge and background in banking to do. Anyone who has ever managed a significant line of credit, term loan, or more sophisticated instruments used by larger businesses knows that you cannot just replace it with some peer to peer model.