I look at this the other way; assaulting the bastions of banking is probably pretty difficult and could take years (though it might be a bit easier at the moment).<p>But if we can brainstorm/think of other ways to modify <i>individuals</i> behavior - to help them manage money better, avoid over spending etc. then the banks are a bit screwed and would have to adapt.<p>Actually better idea: we'll meet in the middle. :D