This is clearly a PR piece for Venmo disguised as some sort analysis of grave social change. I never heard of Venmo before this article! How did it end up on t

This is clearly a PR piece for Venmo disguised as some sort analysis of grave social change. I never heard of Venmo before this article! How did it end up on the HN front page? Also see http://www.paulgraham.com/submarine.html http://www.paulgraham.com/submarine.html