openfinance

I'm trying to put together a list of all the ways we've accepted anti-consumer properties of traditional banks, what else am I missing?

A doodler and computerer. I like permissive/permissionless open source, smart contracts, p2p systems, room-scale VR, and NixOS.

shazow.net

Currently: WhatsABI

what's the issue with checking and savings accounts being different?

The only problem is externality pricing.

Building https://negationgame.com

See the first 5 line items. :) It's a combo move. Checking accounts have no interest rate (ie. free money for banks), yet we're forced to use them for no real reason. Why can't everything be a savings account with a competitive rate?

Reg D: # of withdrawals or transfers you can make per month

aka pain in the ass if you have money in motion