There is pent-up demand for wealth creation and people with some cash are ready to take some risks. It is no longer possible to keep it in the salary account and do anything. What does that mean for banks? Well, Goldman Sachs wants you and me to put our weekly latte expenses into buying things we could not buy before. In our part of the world, there might be a knock-on effect. Marcus might be a more pervasive cultural brand in the months ahead.