[gooddelta]

I've known the Simple folk for a long time. The complexity and inherent safety designed into their product makes every other bank look like a joke. They still have to rely on banking partners to store the money, but they've gone to great pains to make sure that things work in a consistent and fail-safe way, if not with 100% availability during their beta. The other thing to note is that, although it's perceived as a bank, it isn't one; it's a front-end. They realized that everything a bank is defined by when you remove the vault comes down to customer interaction. I'm willing to accept when things break (especially during a beta) in exchange for some making some headway in my banking experience. Without avoiding the pun: it's a very simple proposition.