See how much better your comment is now? You should have just said this to begin with.

SJ issues aside, this is also a better comment because it doesn't start with something that makes me immediately think "This is of no value; How did it get past my spam filter?"

That is definitely a better comment. But I'm not sure it's correct. Note that M-PESA, which I think is the leader here, originated from a do-gooder scheme, is controlled by an entrenched interest, and happened not because there were no regulations, but because the regulators were willing to try experiments:

http://www.economist.com/blogs/economist-explains/2013/05/ec...