The second way to look at all this is to look at broader trends, and this is what matters most to me, because the fact that we are passive is way more toxic than the way banks themselves operate; It is crucial that we enable a more creative mindset towards financial culture. It is positive that people start perceiving that alternatives exist – from a psychological perspective – because then they will start thinking they can create one of their own. In this perspective, the flaws of each individual initiatives matter less. Think of BitCoin: some of its deep design elements are terribly wrong – its deflationary dimension, its tech-utopian ideology, etc. – but for all the hype it provoked, it paved the way to a more creative attitude to money. And this is really what all of this is about.