Candle in the Rain

Interesting proposal.  (The big banks will probably shoot it down, just for starters.  And ...entities... will conspire to sabotage the enterprise [no, not the Enterprise.  The business] which will contribute to a certain corporate paranoia.  It's an idea.  If you are old enough you may remember lots of small banks, both savings and commercial, all over the place; over the last 30 or so years, most of these have been either merged or bought up.  There are still credit unions.)