Great story! People who say BTC is going to "revolutionize the financial services industry" are so missing the point. As billions of "unbanked" people shun the government sponsored nightmare of modern banking, the old, entrench industry can wither on the vine as people no longer see the point of the unnecessary expense and complexity, based on 50 year old technology. The replacement might not be BTC, but it will be something like BTC. The current industry is beyond reform IMHO.