The discussion centers around the idea that while there has been a surge in fintech startups aiming to disrupt traditional banking, the reality is that major banks remain largely unaffected. Key concerns include the stability and resilience of large banks, the complexities of creating a new bank, and regulatory hurdles that favor incumbents. Many commentators argue that fintech products are often just variations of existing offerings rather than true innovations. The notion that digital currencies could lead to tighter government control over spending is also highlighted as a potential risk. The challenges and inertia present in the banking sector raise doubts about true disruption, suggesting that consumer outrage may be the only force capable of prompting significant change.