From an entrepreneur/inventor's mindset, there's one good thing about the pain, confusion and idiocy around the mainstream legacy payment/banking systems in the world: it represents a huge opportunity to deliver something better, something smarter and more friendly. In 2011, with current technology, and without having to worry about legal/bureaucratic compliance/inertia, it can and should be pretty easy for humans to send electronic payments to one another. Take Bitcoin for example. While far from perfect, it is one step in that direction. Though anybody that can help make the mainstream payment/banking system a little better, like Samurai/FeeFighters, or BankSimple, even incrementally, is doing a good thing as well.