Stallman writes about the importance of liberty in software today, especially regarding exploitation of the end user by for-profit entities and the various means they use to clandestinely effect such exploitation.
Tag: wired.com
The International Bank of Google (or FaceBook)
The downside to on-line automation is error correction, which requires human interaction. I feel that local brick and mortar credit unions or banks will continue to exist, mostly in partnership with larger brick and mortar retail stores in high traffic areas, to allow human interaction to deal with exceptions.