Just in time. At the moment writing about money as a consumer product that's ripe for innovation. It's been a dead thing ever since it was created so long ago :)
Another thing to consider is Tony Hsieh's concept of Return-On-Community instead of Return-on-Investment
Yes, great point. Most people fail to appreciate that money is just another technology. When people forget that something is a technology that can be improved, that's usually a sign that it's ripe for disruption.