On the banking side, it has made things incredibly hard for self employed people. I used to have established relationships with local banks. Even if you didn't quite qualify, getting loans based on my credit and cash on hand used to be easy since the loan officer was in house. Not bragging but I've had an 800+ credit score for 10-15 years and it is still incredible difficult to get credit. I just switched to a credit union and they offered my a credit limit of $5k for my business. I looked at the business banker and said what the am I to do with that, I just deposited $200k in your bank. Now I have 3 banks because my other banks give me $50k limits. All that to say no one has control, the computer calculation controls everything.