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It would be so nice. Mark Nestmann says it’s possible.

I look forward to the day when the fractional reserve banking system takes its last breath. If you’re tired of dealing with soaring banking fees, stifling compliance requirements, or the threat of “de-risking,” you have reason to smile. In the not-too-distant future, banks will be obsolete.

That’s a neat little history of the evolution and devolution of banking, too.