The financial and healthcare business ecosystems are often compared with one another. Both are highly regulated and often siloed and both provide basic but highly important services. As stewards increasingly complex experiences, primary care physicians and financial advisers play similar roles in guiding consumers through a maze of options, trade-offs, and decisions. Chronic debt and disease take a vast toll on individuals, their families, and the overall social ecosystem. In both industries, regulation that's supposed to protect consumers often ends up making reform and progress more difficult. IT systems have revolutionized financial services, and as a result banks have saved billions of dollars.