Ah, good old bureaucracy. I'm not American but just looking at this makes me wonder what they'll do when people start ignoring the banking system. That is still far into the future but we are getting there.
Burreocracy is somethong that's related to banking all over the world. I don't think that people would bother shifting away for banks just over burreocracy because the end service provided is just too convinient to seek radicat change.