Yeah, as grumpy op, I should slow down and give your ideas more credit.

Very optimistically -- what you're saying is correct. There is a best case scenario in which Stripe et al observe all of these already working and perhaps popular financial use-case things (perhaps to compete with bigger banks or just because they see/believe it as the future) and encourage adoption.

I'd bet this won't much happen, but I really do hope I'm wrong.