"The simple concept to remember is: if you need $13M to start this business, it's a business you can't start right now; it's instead an opportunity for larger b

"The simple concept to remember is: if you need $13M to start this business, it's a business you can't start right now; it's instead an opportunity for larger businesses" True. I should look at the smallest thing that I can do that can provide value and that can somehow pivot into a bank. Good luck with your startup :)