Nemo:
Re: “In retrospect it seems like a really dumb idea to give three random companies access to the entire financial records of every American.�
Fortunately, they DON'T have access to the entire financial record of every American. But they sure as hell will if we abandon paper money for electronic.

Gold is $1,581/oz today. When it hits $2,000, it will be up 26.5%. Let's see how long that takes. - De 3/11/2013 - ANSWER: 7 Years, 5 Months