What is wrong with large organizations per se?
This is way off-topic, but.... Large organizations have too much power. Take a look at the sorts of things Andrew Carnegie was able to do. Like running at a loss in order to squash small competitors. That's where the Sherman antitrust legislature comes from. Before you call me a government-lover, I have to say that I'm not sure which I find more abhorrent: "capitalist" companies engaging in unfair business practices, or government regulation. If someone wants to explain how we can get away without both (in personal email :-) I'd love to hear it. I think the "right thing" is somewhere in between purely individual transactions, with some sort of distributed trust model (the world is too big for that to be tractable, I think), and the current model of Huge Banks essentially controlling all money flow. Fact is, infrastructure costs money, and big organizations can amortize one-time costs over more customers. Marc