Did you know a tenth of HSBC?s workforce is in compliance? Or that the average corporate fine from the U.K.’s financial industry regulator increased nearly seven-fold from 2010 to 2013? Meanwhile, similar trends are being seen in the U.S. and around the world. The regulatory clampdown is happening at the same time that technology is transforming our world. Just this month, New York State?s top financial regulator granted the first license to a Bitcoin exchange, giving it bank-like status. This is technology literally throwing down the gauntlet to our monetary system. Social media is another case in point.