We would expect to see such subsidies declining a bit as various Android etc phones come up to the iPhone standard.

FORBES: Why Apple's Profits Might Start Declining Dramatically

Some users aren't waiting for the experts to come up with a universal standard but are trying to solve the problem, language by language and machine by machine.

CNN: COMMUNICATION

For example, Certificates of Deposit come with standard lock-up periods from 30 days to 12 months and beyond.

FORBES: Not All Cash Is Created Equal

Unless we come up with long-term solutions to grow the American economy, create more jobs and maintain our standard of living, we run the risk of a societal meltdown.

FORBES: Reviving America's Economy: 3 Issues We Need To Address Now

The Dodd-Frank financial-overhaul law tried to come up with a remedy but does so with tinkering rather than a return to the separate-and-safer standard.

WSJ: At J.P. Morgan, Managing the Unmanageable