@Destroy All Monsters
It was *NOT* Bill Gates that decreed that nobody will want to exceed the 640K limit. It was IBM in its infinite wisdom that did so !! If I am not mistaken, IBM wanted to top end memory to run their emulation/connection software so that the IBM PCs (remember them ??) could be used as terminals for their heavy iron (PC3270 ??).
It was (pre-IBM)Lotus-Intel that first attempted to break that limit !! Now everyone has Gbs of ram and no one thinks twice about it !!
And to think that it was Shugart Associates who first made the hard disks available for small(??) computers and, in the process, invented the Shugart Associates System Interface (SASI) which later evolved into Small Computer System Interface (SCSI), innovation in this field has certainly gone East !!
Now, it seems that the financial industry will follow suit soon !!
Decline and fall of the American Empire !! Or should that be "The Empire strikes out" (to use a baseball term) !!