Answer: a replay attack, a replay attack is used so that the attacker can go sniff out the hash, and get whatever they are trying to get, then once it goes to the attacker it will go back to the original connection after replaying the hash
The Andromeda Galaxy would be my answer.
I would say at least banks and credit unions.Membership requirements could include such things as having significant assets to open a certain type of account, having accounts in other branches, being willing to have a certain prescribed amount of membership shares such as at some credit unions.
