Why always depend on someone else?
Today aggregators and intermediaries around the world realize a significant portion of value in the transaction between two parties without adding any sizeable value by using a centralized system. They vouch for the trust between two parties because there are no grounds for unknown parties to trust each other. In performing any transactions we are always plagued with the fear of non-performance or the contracting party illegitimately using our assets beyond the terms of the contract. Financial companies establish trust based on the size of the mortgage and not the reputation and the customer's ability to pay back.
The result of this situation is that transaction processes are inefficient and billions of people are excluded from financial services.