When Richard Branson and the Virgin Money team joined forces with Wilbur Ross to bail out the UK’s Northern Rock bank, a lot of the pundits took note and started to wonder if Branson might have as disruptive an effect on banking as he’s had on airlines. Can he drive down pricing? Introduce some kind of new low-cost banking secret weapon? Possibly, but I think Bank Branson could transform banking simply by taking a page from the Virgin Atlantic playbook and focusing on....