AKingsburyI do say that they are voluntary, yes. There are many banks out there; you don't NEED to use this bank or that bank. And yes, I say they are a net positive according to many people; otherwise, they would not have them. You can call me "deluded" all you like.
GNU social JP is a social network, courtesy of GNU social JP管理人. It runs on GNU social, version 2.0.2-dev, available under the GNU Affero General Public License.
All GNU social JP content and data are available under the Creative Commons Attribution 3.0 license.