I had high hopes for Bank Simple some time ago when they came out. Then they got acquired by a bigger bank. This industry is nearly impossible to disrupt. Just like the Oil companies back in the day, these banks are so big and powerful that it's impossible to innovate in the current market conditions.
Big Oil was broken up by anti trust legislation. It's possible this comes back around. Currently reading a biography on Brandeis who was one of the titans of anti-trust in the 30s and 40s. I'm hoping that kind of regulation comes back around.
How? The CFPB wasn't perfect, but like the ACA, many think that if legislation is not perfect, it should not be enacted. That's the entire basis of the Hastert rule, if the majority party isn't able to "secure" a majority of votes, then bills shouldn't be voted on.
Isn't that the point of voting?!? Why are our representatives pre-voting on bills to determine if they should even be argued, debated, amended and tried? I'm reminded of something one of my senators said last year about the Russia investigation (specifically the election interference, not "collusion"), in context of them not wanting to investigate because the facts were not known. THATS THE FKING POINT OF AN INVESTIGATION YOU DIPSH*T, TO FIND FACTS.
Everyone needs to vote this november. I don't care if you vote Republican, Democrat or any of the 3rd parties. Just vote. Get the old guys out. Disrupt their legacy. We (software developers) hate the Waterfall method. We like being Agile, whatever that means. Make our government operate the same way. Iterate in small, meaningful chunks.
