This is the twilight of the banks. It would be a more cheerful spectacle if we could envision the dawn of the institutions that will replace them
Deposit insurance has proved to be the crack cocaine of American finance.
Except for the con men borrowing money they shouldn't get and the widows who have to visit with the handsome young men in the trust department, no sane person ever enjoyed visiting a bank.
Like sex drives, card tricks, and the weather, computers tend to be discussed in terms of results rather than processes, which makes them rather scary.
People can be committed to a mental institution only after judicial hearing, but people are committed to schools beyond the reach of Habeas Corpus.
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