You wake up one day and decide that you want to cash out of your Walmart 401K. You’ve been a long-time employee and are now retired. You’ve saved enough to cover your basic needs, and want to take advantage of the opportunity to save more money. You go online and discover that there are other employers who also offer a matching 401K program. The problem is that you want to do all of this electronically, and neither of these firms offer an online option for transferring money to your newly opened account. You decide that this is ridiculous and there has to be a way for a consumer to do this. You figure out that you can do this using a prepaid debit card and some spare change. You load the card with cash and make the transfer. The only thing left to do is to wait for the money to show up in your account. This all happens within a day or two, and you are back to your regular routine with no fuss, no muss. You even have the additional satisfaction of doing something that the big corporate firms with all their automated tools could not accomplish. You are a real human being, not a statistic or a name on a screen. You hold real value as a human being and have a unique story to tell. This is the story that can change the way you look at online marketplaces forever.