What will drive the consumer stuff will be airline, hotel and car reservations, and then car purchasing, and then real estate browsing. Those are some fundamental personal transactions for which people are getting on the Web a lot more than you would expect. It's going to go beyond geeks very fast because they are already spending a lot of money in these areas. Offshore banks pay higher interest on deposits and charge lower rates on loans because they aren't subject to the wide array of bank taxes, mandatory insurance premiums and anti-redlining decrees imposed by U.S. regulators. For the first time, small depositors can decide for themselves whether the Federal Deposit Insurance Corp. is really worth the price they pay in less favorable interest rates.
Securities regulation is just as easily circumvented.
With the large number of stock exchanges and brokerages moving online, it's easy to buy, hold and sell U.S. equities completely outside U.S. jurisdiction. With the arrival of such a technology, someday you might actually look forward to divulging your secrets.