I have sat through so many breakout sessions in financial conferences where they said that checks were going to be obsolete by 2020 yet over 10 billion checks were written last year. Some people cling to the old ways.Cryptos will Change banking as we know it. Smart contracts are the future. We’ll eventually have the option of direct deposit into our Coinbase or other account. Paper money is going away and we’ll all pay by phone or bios. Govt Will track every transaction. In hindsight it was inevitable!!