[jpmattia]

> and I'll add that they are too unfun, and their sales departments are pushy and intrusive.

I think you missed something big: They are too rich. As the saying goes, "Where are the customers' yachts?"

Just as the rise of etrade, datek, ameritrade killed off the overpriced stock broker biz, there are whole swaths of banking waiting to be dragged into the internet age.