&gt; that&#x27;s not really a valid challenge<p>The number of small community banks and credit unions in the US is huge. There are over 381 Registered Credit Unions in New York <i></i>alone<i></i>. There are easily tens of thousands of small banks across this country.<p><a href="http:&#x2F;&#x2F;www.cuna.org&#x2F;Research-And-Strategy&#x2F;Credit-Union-Data-And-Statistics&#x2F;State-Fact-Sheets&#x2F;" rel="nofollow">http:&#x2F;&#x2F;www.cuna.org&#x2F;Research-And-Strategy&#x2F;Credit-Union-Data-...</a><p>No really, if you think its a valid or easy business model, then start your own. Literally tens of thousands of others have already done so.