Carrot or stick
Finite or infinite access
Realtime or delayed
Who is really getting the benefit of the saving?
It is *my* info ... its already in *their* archives. Archives can be 100% dynamic, online and accessible 7x24. Computing, storage and bandwidth should not be an issue for my 60+ years of data, reports, etc. There are no excuses in this day-and-age. If Google can give me virtually unlimited email, cloud-stored documents, video, photos, maps, all for free, then Financial Services like Bank of America, CitiBank, Chase, Charles Schwabb, American Express, Franklin Funds, etc., etc., etc. should be able to provide secure, always available, unlimiited access to their electronic warehouse of my information.
Furthermore, credit scores should be mandated to be free and real-time reported, real-time disputed, and real-time corrected. No excuses.
