Well, I've been saying as much here for years, initially to showers of brickbats.

Clearly great minds think alike ;-)

The dynamic which is changing things is the fact that dis-intermediation to a role of service provision is actually in the interests of the intermediaries themselves - because minimal capital is necessary - and that is why they are already doing it and fucking up organised markets by selling passive 'inflation hedging' investment to muppets while they are at it.

"The future is already here -- it's just not very evenly distributed" William Gibson

What militates against a rapid changeover is the huge amount of inertia in the system.

Once inertia seems to be on the way to being overcome expect copious quantities of 'strategic damage' or sabotage to be inflicted by existing financial incumbents, the worst of it through governments which they control and their legal systems. Only when that has been overcome can we truly have a paradigm shift. But favoring the shift might be some incumbents betting on making the shift themselves as early adopters and using their incumbent power to confuse and confound the existing system.

"It is not necessary to have hope in order to persevere."