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