The long-term prospects for the subject enterprises aren't particularly encouraging since both institutions are essentially made obsolete by software programs that perform virtually all their former functions.
This happened with such things as slide rules, T-squares, and "the market" which is being radically transformed by various leaner versions, leaving NYSE, etc. in the dust.
The latency between when it is evident that some segment of the economy is no longer viable (e.g. old-fashioned telephone companies) shows signs of shortening and that will be true for certain functions best performed by the Commons acting through cooperative connectedness and an emerging "Web of Trust", whose humble beginnings with "folk evaluations" at places like eBay and Amazon will ultimately lead to FOAF (Friend of a Friend) confidence.
Of course we still have to hone up our leisure skills!