Of course, if it were easy to truly disrupt massive institutions like JPMorgan Chase and Bank of America, someone would have done it already. And many investors are understandably wary of a company that would try. Let's start on a positive note. There is a lot to like about SoFi's progress so far and its future potential. Here are two things in particular that I'm excited about. It is more cost-effective for a bank to fund its lending activities with deposits instead of borrowing money. SoFi's deposit base ...