As a college student with a die hard interest in fixed income, I wish to learn a bit more on how the MBS market will change. I know that mortgages and mortgage securities won't go away, but due to factors such as:1) Fed & QE dominating the agency market2) Rise of new lenders entering the market3) Possibly Fannie and Freddie Moving out of Government Control4) Demographical changes aka debt ridden young people with poor credit living with parents, unable to take out a mortgage till later on. 5) Technology speeding up applications and enabling the sharing economyFurthermore, do you think MBS can be electronically traded? ex:quant firms trading TBA's?Given those considerations, what will the market and it?s structure look like in the future?