Fairly eye-opening debate for me, although shorter than I would have liked. There are arguments presented by both sides here that I was unaware of. For that reason, however, some analysis on the part of the Journal would have been helpful.

while there's some informative ideas in these two opposing voices to the question here, this piece lacks some depth as they are juxtaposed, not responsive to each other . i found a lack of context in the first point of view, not connecting clearly enough its assumptions or ideas to either the consumers' or banks' needs or behaviors.

Juxtaposing these opinions is interesting, but neither side brings much evidence to the table. It's good the read their respective positions, but there's not much here to chew on.

The point/counterpoint form is an excellent way to refute bias, especially in a publication as partsan as the WSJ.