Drama lives on conflict. If you're trying to deal with social issues seriously, there's no way of avoiding violence, which is so present in society.
I had to actually purchase a book to learn the API and write the client. It was pretty frustrating trying to learn the API and develop a product quickly.
In the financial system we have today, with less risk concentrated in banks, the probability of systemic financial crises may be lower than in traditional bank-centered financial systems.