It is not uncommon to dial up to 50 times before even getting through to the queuing system.

ECONOMIST: Letters

"The night san software is also subject to random crashes which disrupt the queuing system, " the report said.

BBC: Toilet concerns aired over HMP Bullwood Hall, Hockley

The queuing system used introduces a huge delay between downloading the app and actually being able to use it.

FORBES: Thoughts On Mailbox App

These then morphed into "banks for bankers" - clearing houses which would mop up liquidity among the middle and upper classes and spread it through the private banking system (in the lobby of the Bank of England there is a nice painting of the English bourgeoisie queuing up at Threadneedle Street on Dividend Day by George Elgar Hicks).

BBC: Central banks are part of the state