Before we get into p2p, let me give you a quick overview of how bank transactions work to help you decide why p2p is so essential. Assume you’re Person-A, and you deposit $100 in your Bank-A account, and you send $10 to your friend Person-B in his Bank-B account, the available balance you see $90 is actually the amount the bank owes you, not any kind of assets the bank has set aside for you or…