Out of the box thinking needed!

P2P and content sharing has been quite a phenomenon starting with music and now moving to social networks. How can the telcos benefit from the wave? The gratuitous nature of p2p model isn't encouraging. However, thinking out of the box and beyond may help. A key future trend is how P2P will manifest itself many years from now. Perhaps, loan-banks will be obsolete. Individuals may be able to loan and repay each other. Why not apply this to telcos? Imagine AT&T being a part Service Provider and part bank part broker! One could use SMS to remit monthly instalments at a rate advertized on my AT&T online profile. ATT keeps a percentage of each transaction. Mobile companies don't have to create a social network ground up, it already exists since most of the users log once a month to check their bill online.