Seems to me like the global scale consistent database systems could really change this calculus (google cloud spanner, faunadb). To me these products represent a significant capability that never existed before — not entirely sure it would ever make sense for a bank to become dependent on hosted transactional storage but maybe a “bring your own cloud” model for one of these systems (I think faunadb offers this — cloud spanner can’t because of the custom network requirements for clock synchronization) ...