Headline: Payments Are A Utility, Banking Is Not. Let’s Separate Them.Link: https://www.forbes.com/sites/davidbirch/2023/03/23/payments-are-a-utility-bankin…Publication Date: Thursday, March 23, 2023Primary Source: ForbesNon-Cato Author: David G.W. BirchType: articleFormat: Newspaper (Print)Nature of Mention: citedScholar: Selgin, George A.Research Area: Government and PoliticsSubjects: money utilities