WTF? What is open about a system that only very few organisations can use? Imagine in the paper world, now you not only can ask the bank how much money you have, you can also authorize other companies to look at your account statements for you ... but noone got the idea that maybe you, the account holder, should be able to get a copy of the account statements?<p>It seems we are still at the "reading and writing is for monks" stage of digital technology? God forbid the laypeople themselves use pen and paper!