Elizabeth Warren has proposed that the post office be used for banking.  Kevin Roose writes about interest in Silicon Valley.

“I am dying to fund a disruptive bank,” venture capitalist Marc Andreessen tweeted earlier this year. Financial start-ups—known collectively as “fintech”—are spreading like kudzu, each with a different idea about how to usurp the giants of Wall Street by offering better services, lower fees, or both. Bitcoin and other digital currencies are the tech scene’s infatuation du jour. But a number of other companies are finding success by innovating within the monetary system we already have. “When I go to Silicon Valley … they all want to eat our lunch,” lamented ­JPMorgan Chase CEO Jamie Dimon this year.  Creative New Ideas for Customer-Friendly Banks