The Bank Event Horizon - Many years ago this was a thriving, happy planet - people, cities, shops, a normal world. Except that on the high streets of these cities there were slightly more banks than one might have thought necessary. And slowly, insidiously, the number of the banks were increasing. It's a well-known economic phenomenon but tragic to see it in operation, for the more banks there were, the more they had to charge and the more had to be borrowed to pay for it. And the more they borrowed the higher the fees became, and the more the banks proliferated, until the whole economy of the place passed what I believe is termed the Bank Event Horizon, and it became no longer economically possible to build anything other than banks. Result - collapse, ruin and famine. Most of the population died out. Those few who had the right kind of genetic instability mutated into beings with no buttocks to carry wallets.
An entire archeological strata made up of nothing but ATM cards, and above it... nothing"
