[pas]

Financial services went from a solid base of institutionalized racism (redlining) and casual prejudice based risk profiling when you went to the branch office ... to credit scores and financial engineering (2008 hello!) and introducing a thousand useless intermediaries, global 0-24 trading and investing, online Regulation A+ offerings (pre-IPO investing for nonaccredited investors), and online banking.

It's a lot more, of course, and there are even a few advantages.