[The ETF Store President: The only reason the 'CLARITY Act' has not been passed yet is that cryptocurrency is disrupting the traditional banking model] Golden Finance reported on September 15 that The ETF Store President Nate Geraci stated in an article that the sole reason the 'CLARITY Act' has not been passed yet is: cryptocurrency is disrupting the traditional banking model... It really is that simple. We can discuss ethical provisions, BRCA (Blockchain Regulatory Certainty Act), and other issues, but ultimately, all of this points to the same core: cryptocurrency is reducing the need for banks as intermediary institutions and is challenging the business model of banks relying on net interest income (NII). Some politicians support this traditional model because they benefit from it and are incentivized by it.