Nice post, but the consumer does not rule. Incumbents, media and VCs rule. The best products that should be brought to market are not funded, reported on or supported by incumbents. Why? Risk of ridicule, loss of influence, loss of advertisers, disruption of revenues. Point and example is ending ID theft through giving control of issuance of credit files to consumers via mobile app. Same could be said of ending tax refund fraud. Gain a glimpse of card consumers would want but may never see in more than just a bankcard linked to pay only from a single banks accounts. The line in the sand is drawn at revenues. But what qualms would Amazon, PayPal or MCX have with a universal card to linked to pay from any digital wallet? See more at www.GetCard1.com.