I'm not so sure about banks going away anytime soon. I see it kind of like all the people in America that talk about the Social Security system failing and going bust and that all the money people put in is just going to disappear. My parents worried about that, people that are of the same age as me worried about it their entire working history, people still worry about it. Will it go broke? Is it broke? will it be there for the future generations? For the last 50 years people have been worrying over nothing so far.

The demise and hope of the demise of the banking industry will still be talked about in another 50 years, just like the American Social Security System, or any counties health care system. Change will happen and come slow to there behemoths, but eventually some where down the road change will come, or it will all fall of the cliff because they did not make the turn.