Collective action is huge; people agreeing across time and space to do things that matter to them is a phenomenon that we’ve only glimpsed and imagined up to now. Peer-to-peer initiative is the next step past conversation and agreement. It’s true change, and it’s successful the first moment it occurs. Whether or not the banks care about it in this particular example is irrelevant. If people can unite to do one thing, they can and will organize to do something else. Again and again.