Better banking isn't a bad idea, nor is it a tough sell. There's definitely an ambient frustration with the megabanks that have destroyed the global economy, bilked consumers with fake accounts and hidden terms, propped themselves up on the comfortable elbow of your overdraft fees, routinely discriminated against people of color, and on and on and on. I mean, there really should be a mission to take customers away from these companies. At minimum, it's smart to capitalize on all of this well-earned consumer rage.

Still, it's deeply depressing to attend a large gathering of executives, founders, and industry veterans, as I did at October's Money 20/20 conference, and hear the same, somber message repeated over and over again: The future of money will be predicated on the fact that the personal finances of the next generation are as fragile as a Fabergé egg. This, according to attendees and speakers, is both a problem and an opportunity. No one bothered mentioning that the sick state of the nation's finances isn't technology's problem to solve.

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