Everything is either a tech company or a media company, or now, a bank

I've been say something to the effect of this for awhile now – every business is ultimately either a tech business or a media business, and the really great ones have figured out how to be both.

Let me make this concrete with an example. My oldest daughter is a hair stylist. She spends as much time posting videos and content on social media as she does doing hair. Is she a hair stylist or a tech-based media brand? Really, she's both. She needs tech and media to attract clients and for her business to be successful.

So imagine my intrigue when I saw this article (via Kottke): Everything Is Becoming a Bank.

Customers have essentially placed their money in a savings account that accrues no interest, while giving these conglomerates an interest-free loan to use at the company’s discretion.

This article, clearly, doesn't see this as a positive thing, the way I see businesses becoming tech and media businesses as a good thing. And for sure, this is about consumer behavior that certain companies are exploiting. It's just the "everything" in the article title is a little misleading to me. I'm not sure that's true in the same way my "everything is a tech and media business" comment can be. I guess "A Few Big Corporation Are Trying to Be Banks" just doesn't have the same ring.