I think you get it now though. I've seen this whole industry up close for the last 40 years or so and it's absolutely incredible how we went from a machine with 32 M of RAM and 300 M of storage sufficient to serve 1400 branch offices of a bank to a phone with a very large multiple of that, that can barely serve a single user.
That is some thing that I can't stop thinking about. I get that banking software does more, like online banking, larger transaction volume, more account and loan types, but why is it that we can not run a small to medium bank on a single modern CPU and 1TB of memory?