> “No matter what happens in the world of fintech, you still need a trusted broker of money,” he said. “The roles may change and adapt, but someone needs to be the source of funds and credit.”

(emphasis mine)

This is the previous two generations' ideology concerning money. Stability requires growth; growth requires debt; debt requires credit; credit requires a creditor. Now, the millennial generation is growing up in a global recession with no end in sight. I do not think they will have the same kind of blind faith in easy money when they ascend to power.