Just think about it: I really conceptualized how I can hook my Android phone to my server, add a digital camera to photograph the OTP-Code, OCR it and have a docker based Selenium script with chromedriver to login to my bank to pull the PDFs. All that just because big banks can afford to be so customer unfriendly.
I mean — all this doom from HN about huge centralized corporations, about banks being inaccessible, but the moment you mention the only viable (at the moment) alternative — many people reach for their trusty downvote button.
I mean, with all the hate towards all alternatives to trusting Big Tech corporations, with all the effort to actively bury any potential to build and improve decentralized systems, some of you deserve to live in a world controlled by large states and corporations. This would be your future dystopia, because you actively dismissed every alternative out of hand. But it won’t be your future — because many people outside of HN continue to build systems like MaidSAFE, IPFS and BitTorrent which do not have these restrictions. There are far better and nore scalable networks coming out that are beyond blockchain and beyond smart contracts that allow building backends which CAN’T discriminate against clients, and let anyone generate their own public-private keys. Even though you may hate on these technologies and downvote any post mentioning them, they’ll be there when you finally need them. You’re welcome!!