It's disappointing that a per transaction pricing model is accepted as the status quo. It adds up.

- Shouldn't an online transaction be a digital exchange of currency between two individual's bank accounts? Does it really cost that much?

- Is there a good resource to view a breakdown of the fees at each step in the journey of a transaction?

- What businesses are taking a cut that could be removed from the transaction?

- Is there a possibility for disruption here similar to the way that Robinhood.com disrupted the "fees per trade" status quo?

Thanks