RE: The Banks Are Cooked
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Well its a truth now that we can just use alternatives and I think there are probably a bunch of people who just uses something like Paypal to transfer money without the usual waiting times and hassle. I see no reason for most people to use the banks unless necessary since there are just too many thing there that makes money management annoying.
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PayPal is an example of something that took transactions away from the banking system. Now it is time to affect PayPal. The disruptors end up being the disrupted.
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