Banking laws straight out of 1929 tightly regulate how Banks handle money. No replacement is on the horizon and all claims to the contrary are pure Bullshit. Any Future Bank transaction technology will run against existing "Check" payments processing. ChargeCard Law (ie. AmEx, VISA) are more flexible but add costly guarantor obligations. Checking account law is viewed as the "platform of choice". And nothing (globalisation,PaxAmericana or 911) can change that unless those 1929 laws are rewritten.