I hate to sound trivial and to deviate from the conversation, but I would like to draw attention to Finland for a moment and say that the US government should follow suit (for the most part I agree that people in the US have learned to tolerate substandard quality when it comes to many technology services). In Finland, legislation dictates that it is the right of every citizen to have free access to at least a 1Mbps internet connection and by 2015 every household will have a 100Mbps connection. Food for thought: Perhaps if the US followed suit other mobile, banking (and network-reliant fields) would evolve accordingly?