One problem in traditional finance
     Is that intermediaries are needed to
          Facilitate transactions in the system.  
               These intermediaries charge fees, act
                    As points of control or censorship, and
                         Often allow chargebacks (non-finality)
                              Therefore
                         What we need is a truly peer to peer
                    Electronic cash system which allows
               Payments to be sent from one party
          To another without an intermediary.
     Such a system built for the internet
Exists here and now.  It is Bitcoin.