Very great thoughts here. Extending access to financial services for poor people is a great thing and we must fight for it. People are getting Nobel prizes for various kinds of inventions, but the fact is that poverty is growing in the modern world. First of all, we must help them and only then invent some crazy stuff. I agree with every single word you have written in your article. Let's hope that things will get better after 20 or 30 years. Thanks for the great article.