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Hi Ketharaman, thank you for your interest in my blog. I understand your point which is specific to one aspect of Open Banking. You make a number of interesting points that are accurite for US banks. The benefits for Open Finance have yet to be displayed. I do believe that it is early yet for monitoring the results and I will be keeping an eye on this now that you have correctly brought attention to this aspect.

Thank you for your comment. Being born, raised and lived in Manhattan for decades. I understand what a inadvertent side trip to the bronx can be. This is more scarier.

Dear Mr. Haskins, You correctly point out the value of many other assests and that will be the topic of my planned follow up piece. I agree with you that theft is a problem and issue for Crypto holdings. You would be surprised as I was to find that many people holding the other assest types you mentioned do not insure when they most certainly can.